The Wanda 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.57 percentage points higher than in Q1 2026, at 399.17%. Within Minnesota, The Wanda State Bank is 185th of 221 on return on assets, 0.87% as of Q2 2026, below the middle of the field. The Wanda State Bank reported 0.87% on return on assets for Q2 2026, 0.39 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.12% |
| Equity capital to assets | 11.86% |
| Tangible equity to tangible assets | 10.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.71% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of non-performing loans | 399.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 7.62% |
| Net interest margin | 3.24% |
| Efficiency ratio | 53.73% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.92% |
| Core deposits to total deposits | 87.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.59% |
| Securities to assets | 22.16% |
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 | 15.37% | 0.70% | 2.68% | 0.00% | 0.00% |
| Q4 2023 | 15.49% | 0.27% | 2.72% | 0.00% | 0.00% |
| Q1 2024 | 15.20% | 0.56% | 2.56% | 0.09% | 0.00% |
| Q2 2024 | 15.81% | 0.51% | 2.52% | 0.52% | 0.03% |
| Q3 2024 | 15.52% | 0.31% | 2.54% | 0.02% | 1.04% |
| Q4 2024 | 15.41% | 1.09% | 2.64% | 0.00% | -0.07% |
| Q1 2025 | 15.13% | 0.45% | 2.77% | 0.11% | 0.00% |
| Q2 2025 | 12.44% | 0.60% | 3.36% | 0.09% | 0.00% |
| Q3 2025 | 11.90% | 0.94% | 3.47% | 0.23% | 0.00% |
| Q4 2025 | 11.70% | 0.38% | 3.24% | 0.44% | 0.04% |
| Q1 2026 | 11.65% | 0.79% | 3.17% | 0.44% | 0.00% |
| Q2 2026 | 12.12% | 0.87% | 3.24% | 0.44% | 0.00% |
The Wanda State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Wanda 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 The Wanda State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1908) · FFIEC NIC profile (RSSD 190956)