FIRST STATE BANK OF ROSCOE

ROSCOE, SD | Small | Est. May 23, 1903, midnight | FDIC #9005 | RSSD #189950 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF ROSCOE is asn small FDIC-insured commercial bank headquartered in ROSCOE, SD, established in May 23, 1903, midnight. As of 2025-12-31, the bank reported total assets of $147M and total deposits of $125M. Profitability stands at 1.63% ROA and 11.73% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 23.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9005.

Assets

$147M

Deposits

$125M

Loans

$74M

Equity

$20M

Profitability

Return on Assets (ROA) 1.63%
Return on Equity (ROE) 11.73%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.40%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.04%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 23.79%
Tier 1 Capital 23.79%
Total Capital Ratio 24.92%
Leverage Ratio 13.97%
Loan-to-Deposit 59.00%

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