Richland State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Richland State Bank of Bruce, SD against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.63% | 3.32% | -0.69% | 90th top |
| ROAE | 27.21% | 8.26% | +18.95% | 96th top |
| Net Interest Margin | 2.78% | 3.93% | -1.15% | 10th bottom |
| Efficiency Ratio | 62.40% | 84.51% | -22.11% | 66th above |
| PPNR / Avg Assets | 2.66% | 1.56% | +1.10% | 92nd top |
| Yield on Earning Assets | 4.47% | 5.24% | -0.77% | 22nd bottom |
| Cost of Funds | 1.80% | 1.67% | +0.13% | 37th below |
| Net Interest Spread | 2.09% | 3.30% | -1.21% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 2.46% | 1.52% | +0.94% | 89th top |
| Texas Ratio | 0.59% | 8.57% | -7.98% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 23.50% | 127.06% | -103.56% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 23.50% | 127.08% | -103.58% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 24.76% | 127.96% | -103.20% | 56th above |
| Leverage Ratio | 12.30% | 22.10% | -9.80% | 42nd below |
| Equity / Assets | 9.49% | 20.74% | -11.25% | 22nd bottom |
| TCE / Tangible Assets | 9.27% | 20.49% | -11.22% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 43.69% | 74.31% | -30.62% | 79th top |
| Core Deposit Ratio | 93.67% | 88.30% | +5.37% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 21.90% | 3.79% | +18.11% | 96th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.75% | 6.85% | -3.10% | 55th above |
| Deposit Growth (Y/Y) | 24.00% | 2.94% | +21.06% | 97th top |
See Richland State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Richland State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Richland State Bank profile, how to read a UBPR, or how this data updates.