Bank · FDIC insured
Commercial State Bank
A $260.4M bank headquartered in Wagner, SD, with 1 branch in South Dakota. Best rates: CDs 3.54% and savings 0.55% APY.
Commercial State Bank Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#38 of 47 in South DakotaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Commercial State Bank
- Headquarters
- 204 S Main Ave, Wagner, SD 57380
- FDIC certificate
- 9932 ↗
Branches
1 branch in South Dakota
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South Dakota
1 branch
- Commercial State Bank, of WagnerMain office204 S Main Ave, Wagner, SD 57380Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.82% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.57% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio11.82%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.57%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Commercial State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.