Commercial State Bank, of Wagner (FDIC certificate #9932) is based in Wagner, South Dakota. Its Q2 2026 call report shows $260.4M in total assets and $218.8M in deposits and 1 office.
Commercial State Bank, of Wagner has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 42nd. Earnings contributes the most (100/100, 2.57%); loan quality contributes the least (24/100, 2.29%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (71 → 66), mostly because the loan quality component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 57 |
| Q4 2024 | 67 |
| Q1 2025 | 76 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 62 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.74% |
| Q3 2024 | 10.71% |
| Q4 2024 | 10.75% |
| Q1 2025 | 11.00% |
| Q2 2025 | 11.28% |
| Q3 2025 | 11.52% |
| Q4 2025 | 11.46% |
| Q1 2026 | 11.60% |
| Q2 2026 | 11.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.20% |
| Q3 2024 | 2.37% |
| Q4 2024 | 1.33% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.59% |
| Q4 2025 | 2.34% |
| Q1 2026 | 2.08% |
| Q2 2026 | 2.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.40% |
| Q4 2024 | 1.42% |
| Q1 2025 | 2.12% |
| Q2 2025 | 2.07% |
| Q3 2025 | 2.02% |
| Q4 2025 | 1.84% |
| Q1 2026 | 2.68% |
| Q2 2026 | 2.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $260.4M | 11.82% | 2.29% | 2.57% | 70.2% |
| Q1 2026 | 67 | $263.0M | 11.60% | 2.08% | 2.68% | 66.3% |
| Q4 2025 | 62 | $255.4M | 11.46% | 2.34% | 1.84% | 74.0% |
| Q3 2025 | 71 | $252.9M | 11.52% | 1.59% | 2.02% | 68.4% |
| Q2 2025 | 71 | $253.7M | 11.28% | 1.52% | 2.07% | 66.4% |
| Q1 2025 | 76 | $254.2M | 11.00% | 0.95% | 2.12% | 62.3% |
| Q4 2024 | 67 | $249.3M | 10.75% | 1.33% | 1.42% | 65.2% |
| Q3 2024 | 57 | $249.6M | 10.71% | 2.37% | 1.40% | 60.0% |
| Q2 2024 | 59 | $249.0M | 10.74% | 2.20% | 1.44% | 58.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Parkston, SD | 76 out of 100, Strong | $254.8M | 10.0% | 0.00% | vs |
| Security National Bank of South DakotaBank Dakota Dunes, SD | 93 out of 100, Very strong | $251.5M | 14.1% | 0.00% | vs |
| Quoin Financial BankBank Miller, SD | 67 out of 100, Moderate | $250.7M | 7.9% | 0.21% | vs |
| Campbell County Bank, Inc.Bank Herreid, SD | 82 out of 100, Strong | $240.7M | 12.9% | 0.58% | vs |
| One American BankBank Centerville, SD | 40 out of 100, Below average | $285.2M | 8.3% | 1.56% | vs |
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
Deposit insurance
Is my money safe at Commercial State Bank, of Wagner?
Yes. Commercial State Bank, of Wagner is an FDIC-insured institution (FDIC certificate #9932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.8% of deposits ($58.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Commercial State Bank, of Wagner lists 1 office in 1 city. Most locations:
- Wagner, SD (1)
Identity & history
Profile
- Legal name
- Commercial State Bank, of Wagner
- Type
- State-chartered bank
- FDIC certificate #
- 9932
- RSSD ID
- 129853
- Primary regulator
- FDIC
- Holding company
- Commercial Holding Co
- Established
- May 31, 1902
- Headquarters
- 204 S Main Ave, Wagner, SD 57380
- Website
- www.commercialstate.com
- Employees
- 23
Quick answers
Commercial State Bank, of Wagner: common questions
Is Commercial State Bank, of Wagner FDIC insured?
Yes. Commercial State Bank, of Wagner is an FDIC-insured institution (FDIC certificate #9932). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial State Bank, of Wagner's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial State Bank, of Wagner ever failed?
There is no failure record for FDIC certificate #9932 in the FDIC failed bank list.
How many branches does Commercial State Bank, of Wagner have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wagner
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Andes State BankBank Lake Andes, SD | 88 out of 100, Very strong | $28.2M | 13.3% | 0.00% | vs |
| Community BankBank Avon, SD | 76 out of 100, Strong | $69.3M | 12.2% | 0.60% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| Explorers Federal Credit UnionCredit union Yankton, SD | 65 out of 100, Moderate | $111.5M | 9.6% | 0.49% | vs |
| Nebraska State BankBank Bristow, NE | 55 out of 100, Moderate | $36.6M | 13.4% | 2.26% | vs |
| Nebraska State BankBank Lynch, NE | 50 out of 100, Below average | $25.4M | 11.3% | 3.18% | vs |