First State Bank of Roscoe
BankRegReports is independent of First State Bank of Roscoe and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First State Bank of Roscoe is an FDIC-insured commercial bank headquartered in Roscoe, SD, established in 1903 (FDIC certificate 9005), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $147.5M, up 6.4% from Q2 2025, the 40th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 23.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9005
- Headquarters
- Roscoe, SD
- Established
- 1903
- Total assets, Q2 2026
- $147.5M
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 23.95%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091403616
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Roscoe call report
- Holding company
- ROSCOE COMMUNITY BANKSHARES, INC.
- Asset rank in state
- 40th of 56 in South Dakota
First State Bank of Roscoe, based in Roscoe, South Dakota, reported $147 million in assets at June 30, 2026, up 6.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also holds commercial real estate loans equal to only 26% of its capital, a small fraction of the median of 1.2 times for banks its size.
As of June 30, 2026, First State Bank of Roscoe reported a CET1 capital ratio of 23.95%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, First State Bank of Roscoe is the 40th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.1% to $147.5M, loans rose 4.4% and deposits fell 4.0%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 43.6% of total loans, followed by agricultural production loans at 32.4%. The FDIC Summary of Deposits lists 3 offices for it, in Roscoe, SD, Bowdle, SD and Eureka, SD; its Roscoe office books 70% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank of Roscoe meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 North Mitchell Street, Roscoe, SD 57471
- County
- Edmunds
- Metro Area
- Aberdeen, SD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 23, 1903
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $125.8M
- Allowance for credit losses
- $954K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $150.6M
- Average total loans
- $77.1M
- Average interest-bearing deposits
- $108.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9005
- Fed RSSD
- 189950
- Parent Holding Company
- ROSCOE COMMUNITY BANKSHARES, INC. (RSSD 2619059)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First State Bank of Roscoe's total assets ranged from $131.8M (Q4 2024) to $152.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$147.5M total assets against $138.6M; $127.0M total liabilities against $119.3M.
$77.2M net loans and leases against $72.2M; $125.8M total deposits against $117.9M.
$38.0M securities against $31.9M; $25.2M cash and balances due against $27.4M.
$1.8M total interest income against $1.8M; $603K total interest expense against $616K.
$1.2M net interest income against $1.1M.
$25K total noninterest income against $31K; $621K total noninterest expense against $503K.
$0 provision for credit losses against $0.
$613K net income against $651K.
1.63% return on assets against 1.86%; 3.56% net interest margin against 3.58%.
23.95% CET1 capital ratio against 24.25%; 13.84% tier 1 leverage ratio against 13.95%.
Inside the full First State Bank of Roscoe terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank of Roscoe rankings
Its closest position to the top of a national ranking is 186 of 2,134, for CET1 ratio; its furthest is 3,577 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.57% (Q1 2026) to 1.90% (Q3 2025) and its net interest margin ran from 3.29% (Q3 2024) to 3.59% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.95% | 1.63% | 0.00% | 0.00% | 3.56% |
| Q1 2026 | 23.97% | 1.57% | 0.00% | 0.00% | 3.42% |
| Q4 2025 | 23.79% | 1.61% | 0.00% | 0.00% | 3.54% |
| Q3 2025 | 24.36% | 1.90% | 0.00% | 0.00% | 3.59% |
| Q2 2025 | 24.25% | 1.86% | 0.00% | 0.00% | 3.58% |
| Q1 2025 | 23.51% | 1.62% | 0.00% | 0.00% | 3.54% |
| Q4 2024 | 22.91% | 1.79% | 0.00% | 0.00% | 3.49% |
| Q3 2024 | 21.80% | 1.64% | 1.15% | 4.73% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank of Roscoe (main office) | Roscoe , SD | 57471 | $87.6M |
| Bowdle Branch | Bowdle , SD | 57428 | $19.9M |
| Eureka Branch | Eureka , SD | 57437 | $18.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 46 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $3.3M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First State Bank of Roscoe’s latest filed figures and updates each quarter.
Similar banks
Compare First State Bank of Roscoe with peers
Frequently asked about First State Bank of Roscoe
What are First State Bank of Roscoe's total assets?
As of the Q2 2026 filing, First State Bank of Roscoe reported total assets of $147.5 million in its FFIEC call report.
Where is First State Bank of Roscoe headquartered?
It is headquartered in Roscoe, SD, United States.
When was First State Bank of Roscoe founded?
It was established in 1903, per the FDIC institution directory.
Is First State Bank of Roscoe FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of Roscoe?
First State Bank of Roscoe's primary federal regulator is the FDIC.
What is First State Bank of Roscoe's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank of Roscoe operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of Roscoe's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on First State Bank of Roscoe.
Get an email when First State Bank of Roscoe files its next call report, and benchmark it against any peer you choose.
Unlock First State Bank of Roscoe, freeFree account