Wagner, SD · Cert 9932 · Commercial Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.27% | 1.76% | 1.67% | 1.57% | 1.12% | 2.22% | 2.02% | +34 bps | |
| Return on Equity | 11.67% | 13.65% | 19.31% | 17.76% | 15.65% | 10.52% | 20.91% | 18.69% | +93 bps | |
| Net Interest Margin | 3.08% | 3.69% | 3.58% | 3.82% | 4.04% | 3.93% | 4.21% | 4.26% | +44 bps | |
| Efficiency Ratio | 54.31% | 42.37% | 53.99% | 43.10% | 46.02% | 47.28% | 54.24% | 44.03% | +93 bps | |
| Non-Interest Burden | 1.51% | 1.35% | 1.79% | 1.45% | 1.71% | 1.70% | 2.13% | 1.70% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.11% | 0.08% | -0.02% | 1.91% | 1.32% | 2.45% | 3.46% | 2.65% | +75 bps | |
| Loan Growth (YoY) | 2.39% | 2.74% | 2.15% | 11.81% | 10.95% | 10.32% | 9.10% | 4.59% | -722 bps | |
| Deposit Growth (YoY) | 6.78% | -0.13% | 0.77% | -2.23% | -2.76% | -2.93% | 2.44% | -1.12% | +112 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.37% | 1.33% | 0.95% | 1.52% | 1.59% | 2.34% | 2.08% | 2.29% | +77 bps | |
| Net Charge-Offs / Loans | 0.42% | 1.62% | -0.73% | -0.09% | 0.20% | 0.01% | -1.23% | -0.03% | +6 bps | |
| Allowance / Loans | 1.28% | 1.15% | 1.16% | 1.24% | 1.32% | 1.26% | 1.29% | 1.28% | +4 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.9x | 1.2x | 0.8x | 0.8x | 0.5x | 0.6x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.71% | 10.75% | 11.00% | 11.28% | 11.52% | 11.46% | 11.60% | 11.82% | +54 bps | |
| Total Risk-Based Capital | 10.71% | 10.75% | 11.00% | 11.28% | 11.52% | 11.46% | 11.60% | 11.82% | +54 bps | |
| Equity / Assets | 9.67% | 8.99% | 9.23% | 9.62% | 10.45% | 10.80% | 10.44% | 11.15% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.79% | 65.92% | 63.05% | 67.28% | 69.37% | 74.91% | 67.15% | 71.16% | +388 bps | |
| Liquid Assets / Assets | 2.71% | 1.04% | 3.85% | 1.16% | 1.06% | 1.12% | 4.24% | 1.72% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.35% | 80.56% | 70.62% | n/a | n/a | |