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First State Bank Of Roscoe
Roscoe, SD · FDIC Certificate #9005 · Chartered 05/2
Total assets
$147.48M
Total deposits
$125.77M
Total equity
$20.48M
Net loans
$77.20M
Branches (offices)
3
Net income (YTD)
$1.22M
Rank: #3,327 of 4,213 U.S. banks by assets · #40 of 56 in South Dakota. Assets changed 6.4% and deposits 6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 12.01% |
| Net interest margin (YTD) | 3.58% |
| Equity to assets | 13.88% |
| Tier 1 leverage ratio | 13.84% |
| Uninsured deposits (share of deposits) | 22.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 61.4% |
| Real estate loans (share of loans) | 59.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $45.51M | 59.0% | |
| Commercial & industrial | $6.39M | 8.3% | |
| Consumer / individual | $928.00K | 1.2% | |
| Construction & development | $3.17M | 4.1% | |
| Agricultural | $25.32M | 32.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $143.55M | $126.57M | $561.00K | $13.49M |
| Jun 2023 | $138.59M | $120.04M | $1.11M | $14.72M |
| Jun 2024 | $138.47M | $117.20M | $1.36M | $16.87M |
| Jun 2025 | $138.56M | $117.92M | $1.22M | $19.26M |
| Jun 2026 | $147.48M | $125.77M | $1.22M | $20.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $125.77M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $125.77M.
Similar-sized banks
Mason Bank ($147.50M) · First New Mexico Bank Of Silver City ($147.47M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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