Commercial State Bank, of Wagner: how it compares with its peers
Against 19 SD banks with half to twice its assets, Commercial State Bank, of Wagner's strongest measure in Q2 2026 is return on assets (2.57% vs. a 1.71% peer median). Its weakest relative measure is efficiency ratio (49.12% vs. 53.09%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.57% | 1.71% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 3.77% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.12% | 53.09% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.3M | $8.6M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.25% | 88.29% | Context |
What it means for lending operations
Its efficiency ratio of 49.12% is better than the 53.09% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers State Bank Parkston, SD · $255M
- Security National Bank of South Dakota Dakota Dunes, SD · $251M
- Quoin Financial Bank Miller, SD · $251M
- Campbell County Bank, Inc. Herreid, SD · $241M
- One American Bank Centerville, SD · $285M
- Merchants State Bank Freeman, SD · $220M
Questions about Commercial State Bank, of Wagner
How big is Commercial State Bank, of Wagner?
Commercial State Bank, of Wagner, established in 1902, is headquartered in Wagner, SD. It reported $260M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Commercial State Bank, of Wagner's return on assets?
2.57% annualized in Q2 2026, against a 1.71% median for 19 SD banks with half to twice its assets, ahead of 95% of them.
What is Commercial State Bank, of Wagner's efficiency ratio?
49.12% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 53.09%, and lower is better.
Is Commercial State Bank, of Wagner growing its loans?
Net loans grew 4.5% over the year to Q2 2026, while deposits shrank 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Dakota bank ranked.