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Richland State Bank

under $100M Specialty: Agricultural SD FDIC cert 1675

Designations: ✓ Community bank

Bruce, SD

537 banks in the under $100M peer group nationally 15 in SD
View under $100M leaderboard (SD) →

Richland State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest Income / Assets 0.26% above tier average
  • + ROA 0.57% above tier average
  • + Efficiency Ratio 10.86% below tier average
  • + Delinquency Rate 1.16% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.30% below tier average
Get updates when Richland State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $46.2M
+14.8% YoY +4.8% QoQ
-$16.1M $62.3M
-0.5% YoY
$68.7B
+9.0% YoY
$6.2B
+9.0% YoY
28%
Total Loans ? $17.8M
+2.6% YoY -20.5% QoQ
-$16.5M $34.3M
-1.5% YoY
$30.8B
+10.3% YoY
$3.2B
+10.7% YoY
24%
Total Deposits ? $41.6M
+16.2% YoY +6.0% QoQ
-$10.2M $51.8M
-0.6% YoY
$54.8B
+8.5% YoY
$4.8B
+8.0% YoY
33%
Return on Assets ? 1.43%
-29.6% YoY -13.6% QoQ
+0.57% 0.86%
-3.6% YoY
1.41%
+1.8% YoY
1.24%
+13.1% YoY
75%
Net Interest Margin ? 2.57%
-10.0% YoY -9.6% QoQ
-1.30% 3.87%
+2.7% YoY
4.19%
+0.4% YoY
3.89%
+5.7% YoY
Bottom 8.0% in tier
Efficiency Ratio ? 76.77%
+6.5% YoY +1.4% QoQ
-10.86% 87.63%
+2.3% YoY
64.00%
-0.6% YoY
66.84%
-3.8% YoY
41%
Delinquency Rate ? 0.20%
+74.2% QoQ
-1.16% 1.36%
+33.7% YoY
0.59%
+45.1% YoY
0.95%
+18.8% YoY
60%
Loan-to-Deposit Ratio ? 42.89%
-11.6% YoY -25.0% QoQ
-21.21% 64.11%
-0.9% YoY
71.70%
+0.3% YoY
76.69%
+0.9% YoY
77%
Non-Interest-Bearing Deposit Share ? 24.17%
+32.9% YoY +14.5% QoQ
+0.39% 23.79%
+0.5% YoY
23.74%
-0.7% YoY
22.01%
-1.1% YoY
54%
Nonperforming Asset Ratio ? 0.08%
+32.1% QoQ
-0.70% 0.77%
+28.7% YoY
0.41%
+39.3% YoY
0.66%
+19.3% YoY
62%
Tier 1 Capital Ratio ? 23.44%
-5.1% YoY +11.9% QoQ
-3.34% 26.77%
+2.0% YoY
15.79%
+0.8% YoY
17.06%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.93%
-18.4% YoY -76.1% QoQ
+0.26% 0.67%
+1.6% YoY
0.27%
+0.0% YoY
0.32%
+4.0% YoY
Top 4.1% in tier

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 537 peers in under $100M

Top Strengths (3 metrics)

23
Non-Interest Income / Assets
revenue_mix
Value: 0.93%
Peer Median: 0.67%
#23 of 537 Top 4.1% in under $100M
122
Loan-to-Deposit Ratio
liquidity
Value: 42.89%
Peer Median: 64.11%
#122 of 537 Top 22.5% in under $100M
125
Tier 1 Capital Ratio
capital
Value: 23.44%
Peer Median: 26.77%
#125 of 537 Top 23.1% in under $100M

Top Weaknesses (2 metrics)

495
Net Interest Margin
profitability
Value: 2.57%
Peer Median: 3.87%
#495 of 537 Bottom 8.0% in under $100M
411
Total Loans
size
Value: $17.84M
Peer Median: $34.29M
#411 of 537 Bottom 23.6% in under $100M
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