COMMERCIAL STATE BANK OF WAGNER

WAGNER, SD | Small | Est. May 31, 1902, midnight | FDIC #9932 | RSSD #129853 | FDIC
Latest Report: 2025-12-31

COMMERCIAL STATE BANK OF WAGNER is asn small FDIC-insured commercial bank headquartered in WAGNER, SD, established in May 31, 1902, midnight. As of 2025-12-31, the bank reported total assets of $255M and total deposits of $212M. Profitability stands at 1.34% ROA and 12.59% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 10.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.06% and a Texas Ratio of 11.06%. FDIC Certificate #9932.

Assets

$255M

Deposits

$212M

Loans

$158M

Equity

$28M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 12.59%
Net Interest Margin (NIM) 4.29%
Yield on Assets 6.29%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 2.06%
Net Charge-Off Ratio -0.14%
Texas Ratio 11.06%
NPA Ratio 1.28%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 10.80%
Tier 1 Capital 10.80%
Total Capital Ratio 11.33%
Leverage Ratio 11.46%
Loan-to-Deposit 74.91%

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