Commercial State Bank of Wagner: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 4.01 percentage points in Q2 2026, from 67.15% to 71.16%. It was the largest change from Q1 2026 among the key lines here. Commercial State Bank of Wagner ranks 33rd of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 71.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commercial State Bank of Wagner sits 9.68 points lower, at 71.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $155.7M |
| Net loans and leases | $153.7M |
| Loans held for sale | $0 |
| Loans to total assets | 59.77% |
| Loan-to-deposit ratio | 71.16% |
| Net loans to equity capital | 5.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.47% |
| Multifamily (5+ residential) | 0.73% |
| Commercial and industrial | 10.63% |
| Consumer | 3.93% |
| Credit cards | 0.00% |
| Farm | 27.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.54% |
| Construction concentration (Tier 1 capital + allowance) | 5.13% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.67% |
| Interest income on loans | $3.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $133.0M | $209.8M | 12.25% | 12.44% | 5.26% |
| Q4 2023 | $139.8M | $218.2M | 11.97% | 11.62% | 5.13% |
| Q1 2024 | $138.8M | $223.1M | 13.64% | 11.82% | 4.88% |
| Q2 2024 | $133.1M | $226.3M | 12.57% | 12.20% | 5.39% |
| Q3 2024 | $136.2M | $224.0M | 12.57% | 11.56% | 4.96% |
| Q4 2024 | $143.6M | $217.9M | 14.48% | 10.81% | 4.83% |
| Q1 2025 | $141.7M | $224.8M | 13.27% | 10.98% | 4.53% |
| Q2 2025 | $148.8M | $221.2M | 13.88% | 11.08% | 4.41% |
| Q3 2025 | $151.1M | $217.8M | 12.67% | 10.54% | 4.46% |
| Q4 2025 | $158.5M | $211.5M | 12.84% | 8.73% | 3.89% |
| Q1 2026 | $154.6M | $230.3M | 11.99% | 10.46% | 3.86% |
| Q2 2026 | $155.7M | $218.8M | 12.47% | 10.63% | 3.93% |
Commercial State Bank of Wagner loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial State Bank of Wagner, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commercial State Bank of Wagner profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9932) · FFIEC NIC profile (RSSD 129853)