BanksRICHLAND STATE BANK

RICHLAND STATE BANK

BRUCE, SDMicroEst. Jan. 1, 1927, midnightFDIC #1675RSSD #83852FDIC
Latest · 2025-12-31

RICHLAND STATE BANK is an 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%. CET1 capital ratio: 20.94%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$44M
Deposits
$39M
Loans
$23M
Equity
$5M

Profitability

Return on Assets (ROA)1.36%
Return on Equity (ROE)12.57%
Net Interest Margin2.90%
Yield on Assets4.79%
Cost of Funds1.97%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans2.10%

Capital & Liquidity

CET1 Ratio20.94%
Tier 1 Capital20.94%
Total Capital Ratio21.74%
Leverage Ratio14.88%
Loan-to-Deposit58.45%

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