RICHLAND STATE BANK

BRUCE, SD | Micro | Est. Jan. 1, 1927, midnight | FDIC #1675 | RSSD #83852 | FDIC
Latest Report: 2025-12-31

RICHLAND STATE BANK is amn micro FDIC-insured commercial bank headquartered in BRUCE, SD, established in Jan. 1, 1927, midnight. As of 2025-12-31, the bank reported total assets of $44M and total deposits of $39M. Profitability stands at 1.36% ROA and 12.57% ROE, with a net interest margin of 2.90%. The bank's CET1 capital ratio is 20.94%, 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 #1675.

Assets

$44M

Deposits

$39M

Loans

$23M

Equity

$5M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 12.57%
Net Interest Margin (NIM) 2.90%
Yield on Assets 4.79%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.10%

Capital & Liquidity

CET1 Ratio 20.94%
Tier 1 Capital 20.94%
Total Capital Ratio 21.74%
Leverage Ratio 14.88%
Loan-to-Deposit 58.45%

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