Richland State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 3.39 percentage points lower than in Q1 2026, at 37.60%. Among 56 South Dakota banks, Richland State Bank sits 3rd from the top on return on assets, 2.63% as of Q2 2026. Richland State Bank's return on assets of 2.63% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.64 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.50% |
| Tier 1 risk-based capital ratio | 23.50% |
| Total risk-based capital ratio | 24.76% |
| Tier 1 leverage ratio | 12.30% |
| Equity capital to assets | 9.49% |
| Tangible equity to tangible assets | 9.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.59% |
| Allowance for credit losses to loans | 2.46% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.63% |
| Return on equity | 27.21% |
| Net interest margin | 2.78% |
| Efficiency ratio | 62.40% |
| Yield on earning assets | 4.47% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.69% |
| Core deposits to total deposits | 93.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.15% |
| Securities to assets | 37.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.12% | 22.12% | 23.38% | 12.76% | 4.31% |
| Q4 2023 | 24.57% | 24.57% | 25.82% | 13.63% | 1.36% |
| Q1 2024 | 24.21% | 24.21% | 25.47% | 12.72% | 3.55% |
| Q2 2024 | 26.76% | 26.76% | 28.02% | 13.45% | 3.00% |
| Q3 2024 | 26.34% | 26.34% | 27.61% | 13.10% | 2.60% |
| Q4 2024 | 23.24% | 23.24% | 24.50% | 13.18% | 0.16% |
| Q1 2025 | 24.69% | 24.69% | 25.95% | 13.56% | 1.87% |
| Q2 2025 | 25.69% | 25.69% | 26.95% | 14.08% | 2.19% |
| Q3 2025 | 22.61% | 22.61% | 23.86% | 13.49% | 0.86% |
| Q4 2025 | 20.94% | 20.94% | 21.74% | 14.88% | 1.45% |
| Q1 2026 | 23.44% | 23.44% | 25.95% | 12.78% | 1.44% |
| Q2 2026 | 23.50% | 23.50% | 24.76% | 12.30% | 2.63% |
Richland State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Richland State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Richland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1675) · FFIEC NIC profile (RSSD 83852)