Richland State Bank
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Data as of · sourced from FFIEC call reports. How we update
Richland State Bank is an FDIC-insured commercial bank headquartered in Bruce, SD, established in 1927 (FDIC certificate 1675), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $49.6M, up 21.9% from Q2 2025, the 52nd largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 23.50% 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
- 1675
- Headquarters
- Bruce, SD
- Established
- 1927
- Total assets, Q2 2026
- $49.6M
- Assets vs Q2 2025
- +21.9%
- CET1 ratio, Q2 2026
- 23.50%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091404136
- Latest call report
- Q2 2026, FFIEC 051 · Richland State Bank call report
- Holding company
- BRYANT BANCSHARES, INC.
- Asset rank in state
- 52nd of 56 in South Dakota
Richland State Bank is one of the more profitable banks of its size. Its balance sheet stood at $50 million at June 30, 2026, up 21.9% from a year earlier; it is based in Bruce, South Dakota. It returns 27.2% a year on shareholders' equity, about triple the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it keeps 2.78 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.87 cents).
Net income for the quarter rose 30% from a year earlier, to $311,000. Over the same year, loans grew 3.7% and deposits grew 24.0%.
As of June 30, 2026, Richland State Bank reported a CET1 capital ratio of 23.50%, a return on assets of 2.63%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Richland State Bank is the 52nd largest of the 56 banks headquartered in South Dakota. From Q1 2026 to Q2 2026, its total assets rose 7.2% to $49.6M, loans rose 6.5% and deposits rose 7.4%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 21.5% of total loans, ahead of commercial and industrial loans at 20.7%. Its one office in the FDIC Summary of Deposits is in Bruce, SD. By the capital ratios in its Q2 2026 call report, Richland State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 602 1st St, Bruce, SD 57220
- County
- Brookings
- Metro Area
- Brookings, 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
- January 1, 1927
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $44.7M
- Allowance for credit losses
- $481K
- Net charge-offs (YTD)
- $0
- Average total assets
- $47.3M
- Average total loans
- $20.7M
- Average interest-bearing deposits
- $32.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1675
- Fed RSSD
- 83852
- Website
- www.richlandstate.org →
- Parent Holding Company
- BRYANT BANCSHARES, INC. (RSSD 1127717)
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
Over the 12 quarters to Q2 2026, Richland State Bank's total assets ran between $40.3M (Q1 2025) and $50.0M (Q3 2023), 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
$49.6M total assets against $40.7M; $44.9M total liabilities against $36.2M.
$19.0M net loans and leases against $18.3M; $44.7M total deposits against $36.0M.
$18.6M securities against $18.6M; $10.7M cash and balances due against $2.6M.
$501K total interest income against $461K; $194K total interest expense against $179K.
$307K net interest income against $282K.
$552K total noninterest income against $484K; $544K total noninterest expense against $521K.
No provision recorded in the last 12 quarters.
$311K net income against $240K.
2.63% return on assets against 2.19%; 2.78% net interest margin against 2.75%.
23.50% CET1 capital ratio against 25.69%; 12.30% tier 1 leverage ratio against 14.08%.
Inside the full Richland State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRichland State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.16% (Q4 2024) to 2.63% (Q2 2026) and its net interest margin ran from 2.68% (Q1 2026) to 3.13% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.50% | 2.63% | 0.15% | 0.59% | 2.78% |
| Q1 2026 | 23.44% | 1.44% | 0.20% | 0.75% | 2.68% |
| Q4 2025 | 20.94% | 1.45% | 0.11% | 0.51% | 3.04% |
| Q3 2025 | 22.61% | 0.86% | 0.02% | 0.06% | 2.80% |
| Q2 2025 | 25.69% | 2.19% | 0.00% | 0.00% | 2.75% |
| Q1 2025 | 24.69% | 1.87% | 0.00% | 0.00% | 2.69% |
| Q4 2024 | 23.24% | 0.16% | 0.00% | 0.00% | 3.11% |
| Q3 2024 | 26.34% | 2.60% | 0.00% | 0.00% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Richland State Bank (main office) | Bruce , SD | 57220 | $44.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 67 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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
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Frequently asked about Richland State Bank
What are Richland State Bank's total assets?
As of the Q2 2026 filing, Richland State Bank reported total assets of $49.6 million in its FFIEC call report.
Where is Richland State Bank headquartered?
It is headquartered in Bruce, SD, United States.
When was Richland State Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Richland State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Richland State Bank?
Richland State Bank's primary federal regulator is the FDIC.
What is Richland State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Richland State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Richland State Bank's Texas Ratio?
Its Texas Ratio is 0.59% 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.
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