Commercial State Bank of Wagner
Commercial State Bank of Wagner is a locally rooted FDIC-insured community bank based in Wagner, SD. The Q1 2026 balance sheet stands at $263M in assets, including $155M in loans. Profitability is strong — 2.67% ROA, paired with 25.27% ROE and a 4.49% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.60% exceeds the 9% CBLR threshold. Credit conditions bear watching: 2.53% NPL ratio with a 13.43% Texas Ratio (elevated but below the 100% concern level). The bank operates from a single office.
Headquarters Profile
- Address
- 204 S Main Ave, WAGNER, SD 57380
- County
- Charles Mix
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- May 31, 1902
- Branches
- 1 domestic
- Employees (FTE)
- 24
- FDIC Cert
- 9932
- Fed RSSD
- 129853
- Website
- www.commercialstate.com →
- Parent Holding Company
- COMMERCIAL HOLDING COMPANY (RSSD 1127182)
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Commercial State Bank of Wagner rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
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Frequently asked about Commercial State Bank of Wagner
What are Commercial State Bank of Wagner's total assets?
As of the Q1 2026 filing, Commercial State Bank of Wagner reported total assets of $263.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercial State Bank of Wagner headquartered?
Commercial State Bank of Wagner is headquartered in WAGNER, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Commercial State Bank of Wagner founded?
Commercial State Bank of Wagner was established in 1902, per the FDIC institution directory.
Is Commercial State Bank of Wagner FDIC-insured?
Yes. Commercial State Bank of Wagner is an FDIC-insured commercial bank (FDIC Certificate #9932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial State Bank of Wagner?
Commercial State Bank of Wagner's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Commercial State Bank of Wagner operate?
Commercial State Bank of Wagner operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Commercial State Bank of Wagner's Texas Ratio?
Commercial State Bank of Wagner's Texas Ratio is 13.43% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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