BlastPoint's Banking Scorecard
Commercial State Bank, of Wagner
Wagner, SD
Commercial State Bank, of Wagner has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 11.4% in tier
- + Net Interest Margin 0.47% above tier average
- + Efficiency Ratio 11.04% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$263.0M
+3.5% YoY
+3.0% QoQ
|
-$123.1M |
$386.1M
+0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$152.6M
+9.0% YoY
-2.4% QoQ
|
-$103.1M |
$255.7M
+1.1% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$230.3M
+2.4% YoY
+8.9% QoQ
|
-$97.7M |
$328.0M
+0.1% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
2.68%
+26.4% YoY
+45.5% QoQ
|
+1.41% |
1.27%
+12.9% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
Top 3.4% in tier |
| Net Interest Margin ? |
4.40%
+15.9% YoY
+8.8% QoQ
|
+0.47% |
3.93%
+6.0% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
54.24%
+0.5% YoY
+14.3% QoQ
|
-11.04% |
65.29%
-4.5% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
2.11%
+120.2% YoY
-11.1% QoQ
|
+1.22% |
0.89%
+18.8% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.5% in tier |
| Loan-to-Deposit Ratio ? |
66.28%
+6.4% YoY
-10.4% QoQ
|
-10.36% |
76.64%
+0.8% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
16.43%
-7.7% YoY
-4.4% QoQ
|
-5.59% |
22.02%
-1.0% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.22%
+131.9% YoY
-15.7% QoQ
|
+0.58% |
0.64%
+19.7% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
15% |
| Tier 1 Capital Ratio ? |
11.60%
+5.5% YoY
+1.3% QoQ
|
-4.23% |
15.83%
+1.5% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.08%
+6.1% YoY
-73.6% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.