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Commercial State Bank, Of Wagner
Wagner, SD · FDIC Certificate #9932 · Chartered 05/3
Total assets
$260.43M
Total deposits
$218.75M
Total equity
$29.04M
Net loans
$153.67M
Branches (offices)
1
Net income (YTD)
$3.33M
Rank: #2,662 of 4,213 U.S. banks by assets · #30 of 56 in South Dakota. Assets changed 2.7% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.57% |
| Return on equity | 23.80% |
| Net interest margin (YTD) | 4.43% |
| Equity to assets | 11.15% |
| Tier 1 leverage ratio | 11.82% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 2.29% |
| Net charge-offs (share of loans) | -0.63% |
| Loans to deposits | 70.2% |
| Real estate loans (share of loans) | 55.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $84.96M | 55.3% | |
| Commercial & industrial | $16.54M | 10.8% | |
| Consumer / individual | $6.11M | 4.0% | |
| Construction & development | $1.69M | 1.1% | |
| Agricultural | $43.05M | 28.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $238.26M | $217.04M | $1.85M | $20.62M |
| Jun 2023 | $237.57M | $216.45M | $1.39M | $20.16M |
| Jun 2024 | $248.95M | $226.28M | $1.81M | $21.66M |
| Jun 2025 | $253.70M | $221.22M | $2.62M | $24.40M |
| Jun 2026 | $260.43M | $218.75M | $3.33M | $29.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $218.75M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $218.75M.
Similar-sized banks
First Bank Of Central Ohio ($260.92M) · Petit Jean State Bank ($259.95M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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