Wagner, SD · Cert 9932 · Commercial Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.19% | 1.76% | 1.72% | 1.67% | 1.53% | 2.22% | 2.12% | +41 bps | |
| Return on Equity | 12.86% | 13.21% | 19.31% | 18.51% | 17.44% | 15.63% | 20.91% | 19.67% | +116 bps | |
| Net Interest Margin | 3.17% | 3.27% | 3.58% | 3.70% | 3.83% | 3.85% | 4.21% | 4.23% | +54 bps | |
| Efficiency Ratio | 53.87% | 50.65% | 53.99% | 48.36% | 47.54% | 47.48% | 54.24% | 49.12% | +75 bps | |
| Non-Interest Burden | 1.56% | 1.49% | 1.79% | 1.62% | 1.66% | 1.67% | 2.13% | 1.92% | +29 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 | 0.20% | 0.55% | -0.73% | -0.40% | -0.19% | -0.14% | -1.23% | -0.63% | -23 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 | |