Rivers Edge Bank (FDIC certificate #9935) is based in Marion, South Dakota. Its Q2 2026 call report shows $357.1M in total assets and $295.9M in deposits and 5 offices across 2 states.
Based on its Q2 2026 filing, Rivers Edge Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 37th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is capital cushion (33/100; 8.30%).
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 rose 2 points (66 → 68), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 62 |
| Q4 2024 | 63 |
| Q1 2025 | 67 |
| Q2 2025 | 66 |
| Q3 2025 | 66 |
| Q4 2025 | 68 |
| Q1 2026 | 66 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.87% |
| Q3 2024 | 7.96% |
| Q4 2024 | 8.02% |
| Q1 2025 | 8.20% |
| Q2 2025 | 8.16% |
| Q3 2025 | 8.31% |
| Q4 2025 | 8.46% |
| Q1 2026 | 8.37% |
| Q2 2026 | 8.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.75% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $357.1M | 8.30% | 0.16% | 1.47% | 91.3% |
| Q1 2026 | 66 | $346.3M | 8.37% | 0.15% | 1.20% | 94.3% |
| Q4 2025 | 68 | $337.3M | 8.46% | 0.16% | 1.40% | 93.4% |
| Q3 2025 | 66 | $325.0M | 8.31% | 0.08% | 1.22% | 94.0% |
| Q2 2025 | 66 | $317.6M | 8.16% | 0.09% | 1.17% | 86.4% |
| Q1 2025 | 67 | $312.0M | 8.20% | 0.09% | 1.15% | 83.3% |
| Q4 2024 | 63 | $304.9M | 8.02% | 0.11% | 0.75% | 83.2% |
| Q3 2024 | 62 | $306.2M | 7.96% | 0.11% | 0.61% | 80.1% |
| Q2 2024 | 61 | $301.2M | 7.87% | 0.11% | 0.45% | 78.0% |
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 |
|---|---|---|---|---|---|
| BankStar FinancialBank Elkton, SD | 71 out of 100, Strong | $363.5M | 9.4% | 0.14% | vs |
| Frontier BankBank Sioux Falls, SD | 67 out of 100, Moderate | $349.2M | 8.8% | 0.00% | vs |
| Security Bank MidwestBank Tyndall, SD | 66 out of 100, Moderate | $304.1M | 10.5% | 0.40% | vs |
| One American BankBank Centerville, SD | 40 out of 100, Below average | $285.2M | 8.3% | 1.56% | vs |
| Commercial State Bank, of WagnerBank Wagner, SD | 66 out of 100, Moderate | $260.4M | 11.8% | 2.29% | vs |
| First National Bank in PhilipBank Philip, SD | 87 out of 100, Very strong | $458.4M | 12.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Rivers Edge Bank?
Yes. Rivers Edge Bank is an FDIC-insured institution (FDIC certificate #9935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.1% of deposits ($71.4M) 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 8.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.58% (benchmark: 10%).
5 locations
Branches
Rivers Edge Bank lists 5 offices in 5 cities across 2 states. Most locations:
- Bridgewater, SD (1)
- Hawarden, IA (1)
- Howard, SD (1)
- Marion, SD (1)
- Parker, SD (1)
HMDA 2025
Mortgage lending
In 2025, Rivers Edge Bank reported 98 home-loan applications under HMDA (LEI 25490034470BYC1MSE16): 88 originated ($16,070,000 total), 4 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Rivers Edge Bank
- Former names
- Farmers State Bank; Farmers Trust & Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9935
- RSSD ID
- 474450
- Primary regulator
- FDIC
- Holding company
- First State Associates Inc
- Established
- January 1, 1904
- Headquarters
- 211 N Broadway Ave, Marion, SD 57043
- Website
- www.riversedge.bank
- Employees
- 33
Quick answers
Rivers Edge Bank: common questions
Is Rivers Edge Bank FDIC insured?
Yes. Rivers Edge Bank is an FDIC-insured institution (FDIC certificate #9935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Rivers Edge Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Rivers Edge Bank ever failed?
There is no failure record for FDIC certificate #9935 in the FDIC failed bank list.
How many branches does Rivers Edge Bank have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Marion
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Security State BankBank Emery, SD | 99 out of 100, Very strong | $64.8M | 19.5% | 0.00% | vs |
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| Campbell County Bank, Inc.Bank Herreid, SD | 82 out of 100, Strong | $240.7M | 12.9% | 0.58% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| Reliabank DakotaBank Estelline, SD | 71 out of 100, Strong | $788.4M | 10.5% | 0.26% | vs |