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Richland State Bank
Bruce, SD · FDIC Certificate #1675 · Chartered 01/0
Total assets
$49.56M
Total deposits
$44.68M
Total equity
$4.70M
Net loans
$19.04M
Branches (offices)
1
Net income (YTD)
$472.00K
Rank: #4,044 of 4,213 U.S. banks by assets · #52 of 56 in South Dakota. Assets changed 21.9% and deposits 24.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.03% |
| Return on equity | 20.40% |
| Net interest margin (YTD) | 2.63% |
| Equity to assets | 9.49% |
| Tier 1 leverage ratio | 12.30% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 42.6% |
| Real estate loans (share of loans) | 53.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.16M | 53.4% | |
| Commercial & industrial | $4.03M | 21.2% | |
| Consumer / individual | $2.37M | 12.4% | |
| Construction & development | $196.00K | 1.0% | |
| Agricultural | $2.46M | 12.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $55.50M | $51.63M | $753.00K | $3.80M |
| Jun 2023 | $50.05M | $45.77M | $1.45M | $4.16M |
| Jun 2024 | $42.11M | $37.79M | $765.00K | $4.18M |
| Jun 2025 | $40.65M | $36.03M | $444.00K | $4.46M |
| Jun 2026 | $49.56M | $44.68M | $472.00K | $4.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $44.68M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $44.68M.
Similar-sized banks
Bank Of Brewton ($49.59M) · Peoples State Bank Of Colfax ($49.51M)
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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