BlastPoint's Banking Scorecard
Richland State Bank
Designations: ✓ Community bank
Bruce, SD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +24.0% year over year ($44.7M on the books).
- Delinquency rate 0.16%.
- Return on assets 2.03%.
- Efficiency ratio 69.39% vs a 119.40% peer average.
- Loan-to-deposit ratio 42.61% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Richland State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.60% above tier average
- + ROA 1.03% above tier average
- + Efficiency Ratio 50.00% below tier average
- + Delinquency Rate 1.32% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.29% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.6M
+21.9% YoY
+7.2% QoQ
|
-$12.9M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$19.0M
+3.8% YoY
+6.7% QoQ
|
-$15.9M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$44.7M
+24.0% YoY
+7.4% QoQ
|
-$6.9M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
2.03%
-7.9% YoY
+42.0% QoQ
|
+1.03% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
Top 10.3% in tier |
| Net Interest Margin ? |
2.63%
-8.8% YoY
+2.1% QoQ
|
-1.29% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio ? |
69.39%
-0.9% YoY
-9.6% QoQ
|
-50.00% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.16%
-21.9% QoQ
|
-1.32% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
42.61%
-16.3% YoY
-0.7% QoQ
|
-31.60% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
24.70%
+34.1% YoY
+2.2% QoQ
|
+1.21% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.06%
-22.3% QoQ
|
-0.78% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
23.50%
-8.5% YoY
+0.3% QoQ
|
-3.62% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
1.98%
-14.6% YoY
+113.2% QoQ
|
+0.60% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
Top 3.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.7%
+6.3pp YoY +0.5pp QoQ |
+0.1pp | 24.6% | 23.5% | 22.2% | 53% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.2%
+3.1pp YoY +0.5pp QoQ |
+7.8pp | 13.4% | 14.1% | 12.5% | 80% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
8.1%
-1.3pp YoY -0.5pp QoQ |
-26.9pp | 35.0% | 14.9% | 31.3% | 18% |
| Consumer |
12.4%
+0.9pp YoY +2.6pp QoQ |
+4.8pp | 7.7% | 8.5% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.5%
-2.2pp YoY +0.1pp QoQ |
-15.2pp | 38.7% | 17.6% | 19.7% | 59% |
| Leverage Ratio |
12.3%
-1.8pp YoY -0.5pp QoQ |
-5.4pp | 17.7% | 11.9% | 12.6% | 45% |
| Total Capital Ratio |
24.8%
-2.2pp YoY -1.2pp QoQ |
-14.9pp | 39.7% | 18.8% | 20.8% | 59% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
0 YoY 0 QoQ |
+2 | 12 | 6,279 | 482 | 67% |
| Assets per Employee ($) |
$3.5M
+21.9% YoY +7.2% QoQ |
-$2.6M | $6.2M | $8.1M | $8.8M | 13% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
0.0pp QoQ |
-0.8pp | 1.0% | 0.2% | 0.4% | 34% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
16.03x
+20.0% QoQ |
+9.62x | 6.41x | 96.54x | 20.23x | 92% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.7% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.4%
-0.6pp YoY +6.4pp QoQ |
+14.0pp | 6.4% | 12.4% | 11.6% | 95% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 70% |
| Net Income ($, YTD) |
$472,000
+6.3% YoY — QoQ |
+$154K | $317,817 | $418.8M | $40.4M | 71% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.