TellerScore

Bryant State Bank (FDIC certificate #6064) is based in Bryant, South Dakota. Its Q2 2026 call report shows $52.9M in total assets and $45.7M in deposits and 1 office.

Based on its Q2 2026 filing, Bryant State Bank scores 80/100, which we describe as strong. That is higher than 66% of 546 banks with under $100 million in assets. Among 56 banks headquartered in South Dakota, it ranks 19th. Its strongest component is earnings (98/100; 1.96%), and its lowest is funding & liquidity (62/100; 62% loans-to-deposits, 48% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.58%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings98/100
Return on assets (annualized): 1.96%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 62.4% · 47.5% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (76 → 80), mostly because the earnings component improved by 11 points.

TellerScore
717680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202472
Q1 202573
Q2 202576
Q3 202575
Q4 202575
Q1 202677
Q2 202680
Tier 1 leverage ratio
5.00%8.29%11.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.12%
Q3 202411.17%
Q4 202411.33%
Q1 202510.64%
Q2 202511.23%
Q3 202511.11%
Q4 202511.20%
Q1 202611.21%
Q2 202611.58%
Noncurrent loans
0.35%0.40%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.45%
Q4 20240.45%
Q1 20250.45%
Q2 20250.39%
Q3 20250.35%
Q4 20250.39%
Q1 20260.38%
Q2 20260.40%
Return on assets
1.21%1.58%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.26%
Q4 20241.26%
Q1 20251.60%
Q2 20251.66%
Q3 20251.71%
Q4 20251.61%
Q1 20261.72%
Q2 20261.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$52.9M11.58%0.40%1.96%62.4%
Q1 202677$55.3M11.21%0.38%1.72%59.7%
Q4 202575$54.2M11.20%0.39%1.61%66.0%
Q3 202575$52.0M11.11%0.35%1.71%72.0%
Q2 202576$50.9M11.23%0.39%1.66%67.5%
Q1 202573$51.3M10.64%0.45%1.60%63.8%
Q4 202472$54.0M11.33%0.45%1.26%67.9%
Q3 202472$50.0M11.17%0.45%1.26%68.4%
Q2 202471$49.0M11.12%0.41%1.21%64.5%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.58%
36th
Total risk-based capital20.13%
73rd
Problem loans0.40%
50th
Net charge-offs3.61%
0th
Return on assets1.96%
88th
Net interest margin6.90%
99th
Efficiency ratio55.6%
82nd
Loans to deposits62.4%
56th
Uninsured deposits47.5%
5th
Loan-loss reserves5.70%
99th
Texas ratio1.5%
53rd

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Richland State BankBank Bruce, SD90 out of 100, Very strong$49.6M12.3%0.15%vs
Sunrise Bank DakotaBank Onida, SD83 out of 100, Strong$57.5M13.0%0.00%vs
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs
The Farmers State Bank of TurtonBank Turton, SD53 out of 100, Below average$41.2M10.9%2.20%vs
The Security State BankBank Emery, SD99 out of 100, Very strong$64.8M19.5%0.00%vs
Community BankBank Avon, SD76 out of 100, Strong$69.3M12.2%0.60%vs

Deposit insurance

Is my money safe at Bryant State Bank?

Yes. Bryant State Bank is an FDIC-insured institution (FDIC certificate #6064). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.5% of deposits ($21.7M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.13% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bryant State Bank lists 1 office in 1 city. Most locations:

  • Bryant, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bryant State Bank
Type
State-chartered bank
FDIC certificate #
6064
RSSD ID
82257
Primary regulator
FDIC
Holding company
Bryant Bancshares Inc
Established
March 1, 1915
Headquarters
124 Main St W, Bryant, SD 57221
Employees
8

Quick answers

Bryant State Bank: common questions

Is Bryant State Bank FDIC insured?

Yes. Bryant State Bank is an FDIC-insured institution (FDIC certificate #6064). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bryant State Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bryant State Bank ever failed?

There is no failure record for FDIC certificate #6064 in the FDIC failed bank list.

How many branches does Bryant State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bryant

InstitutionScoreAssetsCapitalProblem loansCompare
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Citizens State Bank, of ArlingtonBank Arlington, SD82 out of 100, Strong$153.2M11.7%0.00%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
Reliabank DakotaBank Estelline, SD71 out of 100, Strong$788.4M10.5%0.26%vs
First Bank & TrustBank Brookings, SD70 out of 100, Strong$4.8B10.4%0.42%vs