First State Bank of Roscoe is a state-chartered bank headquartered in Roscoe, South Dakota, in business for about 123 years. At the end of Q2 2026 it reported $147.5M in total assets and $125.8M in deposits, with 3 offices.
Based on its Q2 2026 filing, First State Bank of Roscoe scores 92/100, which we describe as very strong. That is higher than 97% of 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 3rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (85/100; 1.63%).
TellerScore · Q2 2026
Scorecard
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 fell 2 points (94 → 92), mostly because the earnings component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 94 |
| Q1 2025 | 92 |
| Q2 2025 | 94 |
| Q3 2025 | 95 |
| Q4 2025 | 94 |
| Q1 2026 | 91 |
| Q2 2026 | 92 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.74% |
| Q3 2024 | 13.25% |
| Q4 2024 | 13.87% |
| Q1 2025 | 13.72% |
| Q2 2025 | 13.95% |
| Q3 2025 | 14.07% |
| Q4 2025 | 13.97% |
| Q1 2026 | 13.32% |
| Q2 2026 | 13.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.15% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.91% |
| Q3 2024 | 1.82% |
| Q4 2024 | 1.82% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.79% |
| Q3 2025 | 1.83% |
| Q4 2025 | 1.77% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $147.5M | 13.84% | 0.00% | 1.63% | 61.4% |
| Q1 2026 | 91 | $152.3M | 13.32% | 0.00% | 1.61% | 56.4% |
| Q4 2025 | 94 | $146.8M | 13.97% | 0.00% | 1.77% | 58.2% |
| Q3 2025 | 95 | $139.1M | 14.07% | 0.00% | 1.83% | 60.0% |
| Q2 2025 | 94 | $138.6M | 13.95% | 0.00% | 1.79% | 61.2% |
| Q1 2025 | 92 | $138.1M | 13.72% | 0.00% | 1.68% | 61.6% |
| Q4 2024 | 94 | $131.8M | 13.87% | 0.00% | 1.82% | 66.7% |
| Q3 2024 | 81 | $135.1M | 13.25% | 1.15% | 1.82% | 64.9% |
| Q2 2024 | 80 | $138.5M | 12.74% | 1.23% | 1.91% | 60.2% |
2,650 peers · $100 million – $1 billion
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).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Great Plains BankBank Eureka, SD | 65 out of 100, Moderate | $150.4M | 17.7% | 3.49% | vs |
| Citizens State Bank, of ArlingtonBank Arlington, SD | 82 out of 100, Strong | $153.2M | 11.7% | 0.00% | vs |
| Heartland State BankBank Redfield, SD | 79 out of 100, Strong | $154.0M | 9.9% | 0.00% | vs |
| Dnb National BankBank Clear Lake, SD | 79 out of 100, Strong | $124.1M | 8.9% | 0.00% | vs |
| Farmers and Merchants State BankBank Plankinton, SD | 73 out of 100, Strong | $180.4M | 11.0% | 0.76% | vs |
| Security State BankBank Alexandria, SD | 36 out of 100, Low | $103.0M | 8.2% | 3.72% | vs |
Deposit insurance
Is my money safe at First State Bank of Roscoe?
Yes. First State Bank of Roscoe is an FDIC-insured institution (FDIC certificate #9005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.6% of deposits ($28.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.05% (benchmark: 10%).
3 locations
Branches
First State Bank of Roscoe lists 3 offices in 3 cities. Most locations:
- Bowdle, SD (1)
- Eureka, SD (1)
- Roscoe, SD (1)
Identity & history
Profile
- Legal name
- First State Bank of Roscoe
- Type
- State-chartered bank
- FDIC certificate #
- 9005
- RSSD ID
- 189950
- Primary regulator
- FDIC
- Holding company
- Roscoe Cmty Bankshares Inc
- Established
- May 23, 1903
- Headquarters
- 202 North Mitchell Street, Roscoe, SD 57471
- Employees
- 12
Quick answers
First State Bank of Roscoe: common questions
Is First State Bank of Roscoe FDIC insured?
Yes. First State Bank of Roscoe is an FDIC-insured institution (FDIC certificate #9005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Roscoe's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First State Bank of Roscoe ever failed?
There is no failure record for FDIC certificate #9005 in the FDIC failed bank list.
How many branches does First State Bank of Roscoe have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Roscoe
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ipswich State BankBank Ipswich, SD | 86 out of 100, Very strong | $74.2M | 15.5% | 1.31% | vs |
| Campbell County Bank, Inc.Bank Herreid, SD | 82 out of 100, Strong | $240.7M | 12.9% | 0.58% | vs |
| CorTrust Bank National AssociationBank Mitchell, SD | 62 out of 100, Moderate | $1.6B | 9.9% | 0.70% | vs |