BlastPoint's Banking Scorecard
Commercial State Bank, of Wagner
Wagner, SD
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 24 in SD.
- Deposits -1.1% year over year ($218.8M on the books).
- Delinquency rate 2.32%.
- Return on assets 2.57%.
- Efficiency ratio 49.12% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.25% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 10.9% in tier
- + Net Interest Margin 0.44% above tier average
- + Efficiency Ratio 15.36% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.4M
+2.7% YoY
-1.0% QoQ
|
-$126.1M |
$386.6M
+1.2% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$153.7M
+4.5% YoY
+0.7% QoQ
|
-$104.7M |
$258.3M
+1.7% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$218.8M
-1.1% YoY
-5.0% QoQ
|
-$108.0M |
$326.7M
+0.7% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
2.57%
+23.9% YoY
-4.2% QoQ
|
+1.25% |
1.32%
+10.8% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
Top 4.0% in tier |
| Net Interest Margin ? |
4.43%
+13.1% YoY
+0.5% QoQ
|
+0.44% |
3.99%
+5.0% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
49.12%
+1.6% YoY
-9.5% QoQ
|
-15.36% |
64.48%
-3.2% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
85% |
| Delinquency Rate ? |
2.32%
+50.4% YoY
+10.2% QoQ
|
+1.40% |
0.92%
+15.7% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.1% in tier |
| Loan-to-Deposit Ratio ? |
70.25%
+5.7% YoY
+6.0% QoQ
|
-7.70% |
77.95%
+1.0% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
16.39%
-0.3% YoY
-0.2% QoQ
|
-5.64% |
22.03%
-0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.37%
+53.2% YoY
+12.0% QoQ
|
+0.70% |
0.67%
+16.4% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.8% in tier |
| Tier 1 Capital Ratio ? |
11.82%
+4.8% YoY
+1.9% QoQ
|
-4.09% |
15.91%
+1.4% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.16%
-1.4% YoY
+97.3% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.4%
-0.1pp YoY 0.0pp QoQ |
-5.8pp | 22.1% | 23.5% | 22.2% | 29% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.8%
-0.5pp YoY +0.2pp QoQ |
-0.8pp | 11.6% | 14.1% | 12.5% | 57% |
| CRE |
14.5%
-1.2pp YoY +0.5pp QoQ |
-25.1pp | 39.5% | 31.5% | 41.4% | 10% |
| 1-4 Family |
13.2%
-0.1pp YoY +0.6pp QoQ |
-19.4pp | 32.6% | 14.9% | 31.3% | 16% |
| Consumer |
4.0%
-0.5pp YoY +0.1pp QoQ |
-0.1pp | 4.1% | 8.5% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.6% | 19.7% | n/a |
| Leverage Ratio |
11.8%
+0.5pp YoY +0.2pp QoQ |
-0.4pp | 12.2% | 11.9% | 12.6% | 63% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
-1 (-4.2%) YoY -1 (-4.2%) QoQ |
-36 | 58 | 6,279 | 482 | 15% |
| Assets per Employee ($) |
$11.3M
+7.1% YoY +3.3% QoQ |
+$3.8M | $7.5M | $8.1M | $8.8M | 91% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
-0.1pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.2% | 0.4% | 71% |
| Nonaccrual |
2.1%
+0.9pp YoY 0.0pp QoQ |
+1.1pp | 0.9% | 1.0% | 1.0% | 88% |
| Allowance Coverage |
0.56x
-31.2% YoY -9.8% QoQ |
-23.59x | 24.15x | 96.54x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
-0.6%
-0.2pp YoY +0.6pp QoQ |
-0.8pp | 0.1% | 0.7% | 0.2% | 0% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.8%
+1.4pp YoY -1.5pp QoQ |
+11.6pp | 12.2% | 12.4% | 11.6% | 95% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 56% |
| Net Income ($, YTD) |
$3.3M
+27.4% YoY — QoQ |
+$779K | $2.6M | $418.8M | $40.4M | 74% |
Get Full Access to Commercial State Bank, of Wagner
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.