WADENA STATE BANK

WADENA, MN | Small | Est. Jan. 1, 1917, midnight | FDIC #13430 | RSSD #210256 | FED
Latest Report: 2025-12-31

WADENA STATE BANK is asn small FDIC-insured commercial bank headquartered in WADENA, MN, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $206M and total deposits of $186M. Profitability stands at 2.20% ROA and 25.04% ROE, with a net interest margin of 4.73%. The bank's CET1 capital ratio is 7.98%. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.51%. FDIC Certificate #13430.

Assets

$206M

Deposits

$186M

Loans

$134M

Equity

$19M

Profitability

Return on Assets (ROA) 2.20%
Return on Equity (ROE) 25.04%
Net Interest Margin (NIM) 4.73%
Yield on Assets 6.30%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.51%
NPA Ratio 0.05%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 7.98%
Tier 1 Capital 7.98%
Total Capital Ratio 8.37%
Leverage Ratio 10.18%
Loan-to-Deposit 72.09%

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