TellerScore

Richland State Bank (FDIC certificate #1675) is based in Bruce, South Dakota. Its Q2 2026 call report shows $49.6M in total assets and $44.7M in deposits and 1 office.

Richland State Bank has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 546 banks with under $100 million in assets. Among 56 banks headquartered in South Dakota, it ranks 6th. Earnings contributes the most (100/100, 2.03%); capital cushion contributes the least (73/100, 12.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.30%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings100/100
Return on assets (annualized): 2.03%
Funding & liquidity97/100
Loans ÷ deposits and uninsured-deposit share: 42.6% · 18.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.58%

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 7 points (97 → 90), mostly because the capital cushion component weakened by 18 points.

TellerScore
879297Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202494
Q4 202495
Q1 202596
Q2 202597
Q3 202593
Q4 202596
Q1 202687
Q2 202690
Tier 1 leverage ratio
5.00%9.94%14.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.45%
Q3 202413.10%
Q4 202413.18%
Q1 202513.56%
Q2 202514.08%
Q3 202513.49%
Q4 202514.88%
Q1 202612.78%
Q2 202612.30%
Noncurrent loans
0.00%0.12%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.02%
Q4 20250.11%
Q1 20260.20%
Q2 20260.15%
Return on assets
1.43%2.43%3.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.43%
Q3 20243.23%
Q4 20242.50%
Q1 20252.03%
Q2 20252.20%
Q3 20251.77%
Q4 20251.65%
Q1 20261.43%
Q2 20262.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$49.6M12.30%0.15%2.03%42.6%
Q1 202687$46.2M12.78%0.20%1.43%42.9%
Q4 202596$44.1M14.88%0.11%1.65%57.2%
Q3 202593$40.6M13.49%0.02%1.77%52.4%
Q2 202597$40.7M14.08%0.00%2.20%50.9%
Q1 202596$40.3M13.56%0.00%2.03%48.5%
Q4 202495$40.3M13.18%0.00%2.50%54.1%
Q3 202494$41.0M13.10%0.00%3.23%46.5%
Q2 202493$42.1M13.45%0.24%3.43%43.7%

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 ratio12.30%
45th
Total risk-based capital24.76%
82nd
Problem loans0.15%
59th
Net charge-offs0.00%
58th
Return on assets2.03%
89th
Net interest margin2.63%
9th
Efficiency ratio69.4%
53rd
Loans to deposits42.6%
79th
Uninsured deposits18.0%
42nd
Loan-loss reserves2.46%
89th
Texas ratio0.6%
62nd

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Bryant State BankBank Bryant, SD80 out of 100, Strong$52.9M11.6%0.40%vs
Sunrise Bank DakotaBank Onida, SD83 out of 100, Strong$57.5M13.0%0.00%vs
The Farmers State Bank of TurtonBank Turton, SD53 out of 100, Below average$41.2M10.9%2.20%vs
The Farmers and Merchants State BankBank Scotland, SD83 out of 100, Strong$36.0M11.9%0.08%vs
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs
The Security State BankBank Emery, SD99 out of 100, Very strong$64.8M19.5%0.00%vs

Deposit insurance

Is my money safe at Richland State Bank?

Yes. Richland State Bank is an FDIC-insured institution (FDIC certificate #1675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.0% of deposits ($8.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.76% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

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

  • Bruce, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Richland State Bank
Former names
Bank of Bruce
Type
State-chartered bank
FDIC certificate #
1675
RSSD ID
83852
Primary regulator
FDIC
Holding company
Bryant Bancshares Inc
Established
January 1, 1927
Headquarters
602 1st St, Bruce, SD 57220
Employees
14

Quick answers

Richland State Bank: common questions

Is Richland State Bank FDIC insured?

Yes. Richland State Bank is an FDIC-insured institution (FDIC certificate #1675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Richland State Bank's TellerScore?

90 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 Richland State Bank ever failed?

There is no failure record for FDIC certificate #1675 in the FDIC failed bank list.

How many branches does Richland State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bruce

InstitutionScoreAssetsCapitalProblem loansCompare
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
Citizens State Bank, of ArlingtonBank Arlington, SD82 out of 100, Strong$153.2M11.7%0.00%vs
Dakotaland Federal Credit UnionCredit union Huron, SD76 out of 100, Strong$751.6M10.9%0.57%vs
BankStar FinancialBank Elkton, SD71 out of 100, Strong$363.5M9.4%0.14%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