| Metric | The Wanda State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +3.6% | +5.6% | -2.0 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 7.4% | 11.9% | -4.5 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $229.8M | $201.3M | $136.3M | $27.2M | $990K | 0.85% | 3.36% | 0.68% |
| Q1 2026 | $236.2M | $208.4M | $135.9M | $26.6M | $477K | 0.81% | 3.31% | 0.34% |
| Q4 2025 | $234.1M | $205.9M | $139.0M | $26.8M | $1.3M | 0.62% | 3.41% | 0.26% |
| Q3 2025 | $228.6M | $200.9M | $130.3M | $26.1M | $1.1M | 0.70% | 3.40% | 0.44% |
| Q2 2025 | $220.9M | $194.3M | $131.5M | $25.2M | $536K | 0.54% | 3.26% | 0.05% |
| Q1 2025 | $187.3M | $161.9M | $106.5M | $24.3M | $216K | 0.47% | 2.94% | 0.15% |
| Q4 2024 | $183.0M | $158.1M | $105.9M | $23.8M | $1.1M | 0.63% | 2.62% | 0.51% |
| Q3 2024 | $181.1M | $154.9M | $103.1M | $24.4M | $630K | 0.46% | 2.56% | 0.73% |
Loan mix (Q2 2026): real estate $73.4M · commercial $7.2M · consumer $4.4M · securities $50.9M
| Ratio | The Wanda State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 62.9% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Wanda State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Wanda State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Wanda State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Wanda State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Wanda State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend up 74% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
2 branches in 2 counties across 1 state (+0 vs 2025) · $201.3M branch deposits. Biggest market: Redwood, MN, ranked 2nd with 19.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Redwood, MN | 1 | $164.6M | 19.63% | 2nd |
| Renville, MN | 1 | $36.6M | 6.97% | 5th |
Minnesota: 170th with 0.06% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2