Commercial State Bank of Wagner: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial State Bank of Wagner of Wagner, SD against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.45% | 1.35% | +1.10% | 94th top |
| ROAE | 22.60% | 12.05% | +10.55% | 93rd top |
| Net Interest Margin | 4.54% | 3.90% | +0.64% | 80th top |
| Efficiency Ratio | 42.54% | 63.16% | -20.62% | 92nd top |
| PPNR / Avg Assets | 2.56% | 1.64% | +0.92% | 90th top |
| Yield on Earning Assets | 6.25% | 5.65% | +0.60% | 79th top |
| Cost of Funds | 1.92% | 1.85% | +0.07% | 42nd below |
| Net Interest Spread | 4.03% | 3.35% | +0.68% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.47% | 0.92% | +3.55% | 3rd bottom |
| NPA / Total Assets | 2.67% | 0.67% | +2.00% | 4th bottom |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 28.75% | 1645.83% | -1617.08% | 3rd bottom |
| Texas Ratio | 23.65% | 7.14% | +16.51% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.82% | 12.46% | -0.64% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.15% | 11.67% | -0.52% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.15% | 11.40% | -0.25% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.16% | 78.65% | -7.49% | 68th above |
| Core Deposit Ratio | 91.25% | 87.09% | +4.16% | 62nd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.38% | 5.11% | -0.73% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.65% | 6.48% | -3.83% | 37th below |
| Loan Growth (Y/Y) | 4.59% | 7.64% | -3.05% | 45th below |
| Deposit Growth (Y/Y) | -1.12% | 6.03% | -7.15% | 18th bottom |
See Commercial State Bank of Wagner's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial State Bank of Wagner, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Commercial State Bank of Wagner profile, how to read a UBPR, or how this data updates.