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The Wanda State Bank

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

Wanda, MN

2 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

The Wanda State Bank has 2 strengths 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 8.83% below tier average
  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 47.3% in tier
  • - ROA 0.46% below tier average
  • - Net Interest Margin 0.62% below tier average
Get updates when The Wanda State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $236.2M
+26.1% YoY +0.9% QoQ
-$149.9M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
34%
Total Loans ? $135.9M
+27.6% YoY -2.3% QoQ
-$119.9M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
31%
Total Deposits ? $208.4M
+28.7% YoY +1.2% QoQ
-$119.6M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
36%
Return on Assets ? 0.81%
+73.9% YoY +31.3% QoQ
-0.46% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
27%
Net Interest Margin ? 3.31%
+12.7% YoY -3.0% QoQ
-0.62% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
22%
Efficiency Ratio ? 56.46%
-18.9% YoY -2.8% QoQ
-8.83% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
70%
Delinquency Rate ? 0.59%
+129.9% YoY +32.2% QoQ
-0.30% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
41%
Loan-to-Deposit Ratio ? 65.18%
-0.9% YoY -3.5% QoQ
-11.45% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
75%
Non-Interest-Bearing Deposit Share ? 27.52%
+6.2% YoY -5.2% QoQ
+5.50% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
75%
Nonperforming Asset Ratio ? 0.34%
+132.7% YoY +28.0% QoQ
-0.30% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
47%
Tier 1 Capital Ratio ? 11.65%
-23.0% YoY -0.4% QoQ
-4.18% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.06%
+34.4% YoY -72.6% QoQ
-0.22% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
25%

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 (1)

Credit Quality Pressure

risk
#620 of 1308 • Bottom 47.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.59%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2075
Net Interest Margin
profitability
Value: 3.31%
Peer Median: 3.93%
#2075 of 2664 Bottom 22.1% in $100M-$1B
2001
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.28%
#2001 of 2664 Bottom 24.9% in $100M-$1B
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