Commercial Stb of Wagner
Wagner, South Dakota · FDIC Cert #9932
This is the FDIC profile for Commercial Stb of Wagner, an FDIC-insured bank (Certificate #9932) with $249M in total assets and $226M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Wagner, South Dakota, the bank maintains a Tier 1 capital ratio of 10.74% (Well-Capitalized) and a nonperforming loan ratio of 2.20%. BankHealthData assigns a composite Health Grade of B (73/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Commercial Stb of Wagner (FDIC cert 9932) is a community bank — $249M in total assets, $226M in deposits, serving the Wagner, South Dakota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.74% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.20% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 44.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.52% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Commercial Stb of Wagner carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Commercial Stb of Wagner
- Total Assets
- $249M
- Total Deposits
- $226M
- Tier 1 Capital Ratio
- 10.74%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.20%
- Liquidity Ratio
- 44.41%
- Return on Assets
- 1.52%
- Headquarters
- Wagner, South Dakota
- FDIC Certificate
- #9932
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Commercial Stb of Wagner files quarterly Call Reports with the FDIC under Certificate #9932. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track Commercial Stb of Wagner
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, Commercial Stb of Wagner holds a Tier 1 capital ratio of 10.74%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Commercial Stb of Wagner has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Commercial Stb of Wagner shows strong financial health indicators. With $249M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Commercial Stb of Wagner Compares
Commercial Stb of Wagner’s Health Score of 73 is 11 points below the South Dakota state average of 84 across 47 FDIC-insured banks. Its 10.74% Tier 1 capital ratio is 3.3 points below the US banking industry average near 14%. The 2.20% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.52% is in line with or above the national ROA benchmark of ~1.1%. Among 1578 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Commercial Stb of Wagner is 7 points below the portfolio average of 80.
Frequently Asked Questions
Commercial Stb of Wagner has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.74%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Commercial Stb of Wagner's Tier 1 capital ratio of 10.74% and nonperforming loan ratio of 2.20% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Commercial Stb of Wagner is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9932). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Commercial Stb of Wagner holds $249M in total assets and $226M in total deposits. It is headquartered in Wagner, South Dakota (FDIC Certificate #9932).
Commercial Stb of Wagner's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #9932 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Commercial Stb of Wagner has a Tier 1 capital ratio of 10.74%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.20%, and the return on assets is 1.52%.
Yes. Commercial Stb of Wagner is FDIC-insured (Certificate #9932). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Commercial Stb of Wagner's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.