BlastPoint's Banking Scorecard
Commercial State Bank, of Wagner
Micro
Specialty: Agricultural
SD
FDIC cert 9932
Designations: ✓ Community bank
Wagner, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Commercial State Bank, of Wagner demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.25% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.4M
+2.5% YoY
+1.0% QoQ
|
+$38.0M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$156.5M
+10.2% YoY
+4.9% QoQ
|
+$17.3M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$211.5M
-2.9% YoY
-2.9% QoQ
|
+$27.9M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.84%
+29.7% YoY
-8.5% QoQ
|
+0.76% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.05%
+16.7% YoY
+0.5% QoQ
|
+0.19% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
47.48%
-6.3% YoY
-0.1% QoQ
|
-20.25% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
2.37%
+76.4% YoY
+46.5% QoQ
|
+1.73% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
73.97%
+13.5% YoY
+8.1% QoQ
|
-0.56% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
17.18%
+10.8% YoY
+0.5% QoQ
|
-5.21% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.45%
+89.7% YoY
+52.2% QoQ
|
+1.00% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
-9.6% YoY
+31.2% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.48%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Efficiency Ratio
Current: 47.48% · Tier avg: 67.73%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
63
63th pctile
Total Assets
Current: $255.4M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $211.5M · Tier avg: $183.7M
62
62th pctile
Total Loans
Current: $156.5M · Tier avg: $139.2M
61
61th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 73.97% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.18% · Tier avg: 22.39%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.37% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.37% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.18% · Tier avg: 22.39%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 73.97% · Tier avg: 74.53%
61
61th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.85%
62
62th pctile
Total Loans
Current: $156.5M · Tier avg: $139.2M
62
62th pctile
Total Deposits
Current: $211.5M · Tier avg: $183.7M
63
63th pctile
Total Assets
Current: $255.4M · Tier avg: $217.5M
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.48% · Tier avg: 67.73%