Commercial State Bank of Wagner: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 22.30 percentage points lower than in Q1 2026, at 28.75%. Within South Dakota, Commercial State Bank of Wagner is 7th of 56 on return on assets, 2.45% as of Q2 2026, above the middle of the field. Commercial State Bank of Wagner's return on assets of 2.45% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.20 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.82% |
| Equity capital to assets | 11.15% |
| Tangible equity to tangible assets | 11.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.47% |
| Non-performing assets ratio | 2.67% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 23.65% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 28.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.45% |
| Return on equity | 22.60% |
| Net interest margin | 4.54% |
| Efficiency ratio | 42.54% |
| Yield on earning assets | 6.25% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.16% |
| Core deposits to total deposits | 91.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.00% |
| Securities to assets | 35.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.80% | 1.50% | 3.61% | 3.93% | 0.18% |
| Q4 2023 | 10.73% | 1.30% | 3.72% | 3.75% | 0.40% |
| Q1 2024 | 10.58% | 1.50% | 3.46% | 2.34% | -0.35% |
| Q2 2024 | 10.74% | 1.40% | 3.49% | 3.80% | 0.52% |
| Q3 2024 | 10.71% | 1.29% | 3.31% | 2.79% | 0.43% |
| Q4 2024 | 10.75% | 1.47% | 3.95% | 1.48% | 1.67% |
| Q1 2025 | 11.00% | 2.08% | 3.83% | 1.47% | -0.73% |
| Q2 2025 | 11.28% | 2.00% | 4.08% | 1.67% | -0.09% |
| Q3 2025 | 11.52% | 1.88% | 4.32% | 1.79% | 0.21% |
| Q4 2025 | 11.46% | 1.33% | 4.34% | 2.53% | 0.01% |
| Q1 2026 | 11.60% | 2.67% | 4.49% | 2.53% | -1.20% |
| Q2 2026 | 11.82% | 2.45% | 4.54% | 4.47% | -0.03% |
Commercial State Bank of Wagner vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial State Bank of Wagner, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)