Bank Comparison
Commercial State Bank of Wagner vs Security National Bank of South Dakota
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Commercial State Bank of Wagner | Security National Bank of South Dakota |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.60% | 13.78% |
| Equity / Assets | 10.44% | 13.07% |
Profitability
| Metric | Commercial State Bank of Wagner | Security National Bank of South Dakota |
|---|---|---|
| Return on Assets (ROA) | 2.67% | 2.45% |
| Return on Equity (ROE) | 25.27% | 18.92% |
| Net Interest Margin (NIM) | 4.49% | 2.93% |
| Yield on Earning Assets | 6.28% | 4.62% |
| Cost of Funds | 1.96% | 1.93% |
Asset quality
| Metric | Commercial State Bank of Wagner | Security National Bank of South Dakota |
|---|---|---|
| Texas Ratio | 13.43% | 0.00% |
| Non-Performing Loan Ratio | 2.53% | 0.00% |
| Non-Performing Asset Ratio | 1.49% | 0.00% |
| Net Charge-Off Ratio | -1.20% | 0.01% |
| ACL / Loans | 1.29% | 1.40% |
Balance sheet
| Metric | Commercial State Bank of Wagner | Security National Bank of South Dakota |
|---|---|---|
| Total Assets | $262,998K | $253,214K |
| Total Deposits | $230,294K | $196,829K |
| Total Loans | $154,641K | $162,855K |
| Total Equity | $27,445K | $33,086K |
| Net Income (quarter) | $1,738K | $1,536K |
Liquidity & funding
| Metric | Commercial State Bank of Wagner | Security National Bank of South Dakota |
|---|---|---|
| Loan-to-Deposit Ratio | 67.15% | 82.74% |
| Core Deposit Ratio | 91.83% | 91.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commercial State Bank of Wagner | Security National Bank of South Dakota |
|---|---|---|
| Headquarters City | WAGNER | DAKOTA DUNES |
| Headquarters State | SD | SD |
| Asset Tier | Small | Small |
| Charter Class | 0 | 23226 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 24 | 37 |
| Established | May 31, 1902, midnight | May 1, 1997, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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