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The Wanda State Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 1908

Wanda, MN

2 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +3.6% year over year ($201.3M on the books).
  • Delinquency rate 1.14%.
  • Return on assets 0.85%.
  • Efficiency ratio 55.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.72% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

The Wanda State Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 9.31% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.47% below tier average
  • - Net Interest Margin 0.63% below tier average
  • - Delinquency Rate 0.22% above tier average
Get updates when The Wanda State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $229.8M
+4.0% YoY -2.7% QoQ
-$156.8M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $136.3M
+3.6% YoY +0.3% QoQ
-$122.1M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $201.3M
+3.6% YoY -3.4% QoQ
-$125.5M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 0.85%
+56.0% YoY +4.6% QoQ
-0.47% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 3.36%
+3.1% YoY +1.3% QoQ
-0.63% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 55.17%
-13.4% YoY -2.3% QoQ
-9.31% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 1.14%
+93.8% QoQ
+0.22% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 67.72%
+0.0% YoY +3.9% QoQ
-10.23% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 25.80%
+8.5% YoY -6.3% QoQ
+3.76% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 0.68%
+99.8% QoQ
+0.01% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 12.12%
-2.6% YoY +4.0% QoQ
-3.79% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.11%
+42.4% YoY +79.7% QoQ
-0.46% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 25.8%
+2.0pp YoY
-1.7pp QoQ
 +3.6pp 22.1% 21.9% 22.2% 69%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 8.3% 8.5% 3%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 5.3%
-1.2pp YoY
-0.4pp QoQ
 -6.3pp 11.6% 14.6% 12.5% 21%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 10.3%
+0.6pp YoY
0.0pp QoQ
 -22.4pp 32.6% 29.4% 31.3% 11%
Consumer 3.2%
+0.5pp YoY
+0.6pp QoQ
 -0.9pp 4.1% 4.5% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 12.1%
-0.3pp YoY
+0.5pp QoQ
 -0.1pp 12.2% 11.0% 12.6% 66%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 19
-1 (-5.0%) YoY
0 QoQ
 -40 58 55 482 9%
Assets per Employee ($) $12.1M
+9.5% YoY
-2.7% QoQ
 +$4.6M $7.5M $8.6M $8.8M 93%
Branch Count 2
0 YoY
0 QoQ
 -3 4 4 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.6pp QoQ
 +0.4pp 0.3% 0.4% 0.4% 88%
Nonaccrual 0.4%
+0.4pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.0% 1.0% 50%
Allowance Coverage 1.55x
-91.5% YoY
-48.6% QoQ
 -22.60x 24.15x 20.41x 20.23x 40%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 7.4%
+3.0pp YoY
+0.2pp QoQ
 -4.8pp 12.2% 13.1% 11.6% 22%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 57%
Net Income ($, YTD) $990,000
+84.7% YoY
— QoQ
 -$1.6M $2.6M $4.5M $40.4M 26%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2114
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2114 of 2643 Bottom 20.1% in $100M-$1B
2070
Net Interest Margin
profitability
Value: 3.36%
Peer Median: 3.99%
#2070 of 2643 Bottom 21.7% in $100M-$1B
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