# WANDA STATE BANK
WANDA, MN · FDIC certificate 1908 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $229.8M | |
| Deposits | $201.3M | |
| Loans and leases | $138.7M | |
| Total equity | $27.2M | |
| Loans / deposits | 67.72% (p42 of band) | 73.59% |
| Liquid assets / assets | 32.38% (p50 of band) | |
| Uninsured deposits / deposits | 12.79% (p23 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.12% (p54 of band) | 11.76% |
| Unrealized securities loss / equity | -18.10% (p26 of band) | -6.57% |
| AOCI / equity | -0.57% (p41 of band) | |
| ROA (annualized) | 0.85% (p32 of band) | 1.17% |
| Net interest margin | 3.36% (p24 of band) | 3.93% |
| Efficiency ratio | 55.17% (p23 of band) | |
| Noncurrent loans | 1.12% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 155.11% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $2.1M (1.53% of loans; DQ 1.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | capital falling, NIM <2.5% |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | deposits shrinking |  |
| 2024-09 | 1 | charge-offs p90 | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 2 | capital falling, securities losses >30% of equity | charge-offs p90 |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-08-10 [Linus Bierl Obituary Aug 10, 2020 - sturmfh.com](https://news.google.com/rss/articles/CBMiWkFVX3lxTE0tbHRBZlkxMUtyYnZfVGdRenJEWUMyTHdnZzcybnZPbzNncHpSWWJWOG5ucS1ORnRaV1otSldUWnlNUjJFZTdVS1Y3Nkphalh2VnNkcUdsUFFrUQ?oc=5) · sturmfh.com
- 2023-05-16 [These are Minnesota's strongest mid-sized banks - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNM1hMSXB3b1FRLXVPazlrUmNkeXNmeXJ4eVVFZXY1NjVTNnBSZ0JFNFFEelNKSnFWdVNRcndXN0R4VXZBcG12amNyREo2bFlBZXN2TzBzbTZ6SGxIVGtPQWhIek9vVE15V2otWUhyamVLajMwVG5zUTdhUkFrNGgtOEZFLVVYRkVpeE5QUm9MVDBraEEwQlpoTk1mRXZ0X1RqR2J3?oc=5) · The Business Journals
- 2026-04-09 [2026 Area Senior Spotlight Photos - My KLGR](https://news.google.com/rss/articles/CBMibEFVX3lxTE1UZEFfX0RJRV9Yai1rU3BGYjVIU281YlA4bTdZZEl0ZlNvV0xiUGQ2R3VEQm1GaHZ6ZFVGTTFzYV9XbnhGTnVIRXlSU2d1ekdodHZaLXZ4di1SczBvN0Q3OGFnMXhfZ2ZxUDFBNQ?oc=5) · My KLGR
- 2020-04-24 [Donald Schumacher Obituary Apr 24, 2020 - sturmfh.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5iYTRaUjlDdTI3NWFNQXFfbFpYdVlhSE9wRWxoZHZmVWd2ZkQ5Z1hURzRMcmRZRmhkWVFpajQybDRQM3NLMzJHZFJ5c1c4WjRtUnNwOGg0ajhMMF9PczNXZFBn?oc=5) · sturmfh.com
- 2016-11-16 [Kenneth Hagert Obituary Nov 16, 2016 - sturmfh.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9VRElfU2JJaVc4ckxRZTY4T01kVkpXVzZhVktRNUZwMW85Sm81LUNEUWdpYXdtT1RXcV9DQ0huUHk0WWFEeU96LVE1dklPdGE4OFQ4RHlxeTRVVHNnT0E?oc=5) · sturmfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1908 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "1908", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide