Wadena State Bank: 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.
Loan-to-deposit ratio dropped 3.41 percentage points in Q2 2026, from 73.44% to 70.04%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Wadena State Bank is 23rd of 221 on return on assets, 2.12% as of Q2 2026, above the middle of the field. Wadena State Bank's return on assets of 2.12% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.87 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 | 9.84% |
| Equity capital to assets | 8.67% |
| Tangible equity to tangible assets | 8.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 0.87% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 15687.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.12% |
| Return on equity | 25.15% |
| Net interest margin | 4.33% |
| Efficiency ratio | 49.55% |
| Yield on earning assets | 5.70% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.04% |
| Core deposits to total deposits | 93.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.92% |
| Securities to assets | 26.29% |
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 | 10.12% | 1.68% | 4.10% | 0.31% | 0.00% |
| Q4 2023 | 10.24% | 1.53% | 4.10% | 0.00% | 0.00% |
| Q1 2024 | 9.61% | 1.76% | 4.14% | 0.19% | 0.01% |
| Q2 2024 | 10.11% | 2.03% | 4.15% | 0.16% | 0.00% |
| Q3 2024 | 9.90% | 1.93% | 4.34% | 0.00% | 0.00% |
| Q4 2024 | 10.11% | 1.52% | 4.29% | 0.18% | 0.00% |
| Q1 2025 | 9.50% | 1.45% | 4.11% | 0.00% | -0.00% |
| Q2 2025 | 9.55% | 1.65% | 4.14% | 0.00% | 0.01% |
| Q3 2025 | 9.76% | 1.67% | 4.29% | 0.00% | 0.00% |
| Q4 2025 | 10.18% | 2.20% | 4.41% | 0.08% | 0.00% |
| Q1 2026 | 9.48% | 1.60% | 4.26% | 0.00% | 0.00% |
| Q2 2026 | 9.84% | 2.12% | 4.33% | 0.01% | -0.06% |
Wadena State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wadena State Bank, 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 Wadena State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13430) · FFIEC NIC profile (RSSD 210256)