BlastPoint's Banking Scorecard

First State Bank of Roscoe

$100M-$1B Specialty: Agricultural SD FDIC cert 9005

Roscoe, SD

3 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

First State Bank of Roscoe has 4 strengths but faces 2 concerns

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.34% above tier average
+ Efficiency Ratio 15.73% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.25% below tier average
- Net Interest Margin 0.41% below tier average

Get updates when First State Bank of Roscoe releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$152.3M +10.3% YoY +3.7% QoQ	-$233.8M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	Bottom 14.9% in tier
Total Loans ?	$73.9M +1.5% YoY +1.5% QoQ	-$181.8M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	Bottom 8.7% in tier
Total Deposits ?	$131.0M +10.9% YoY +4.8% QoQ	-$196.9M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	1.61% -3.8% YoY -9.0% QoQ	+0.34%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	3.52% -3.5% YoY -2.9% QoQ	-0.41%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	49.56% +1.8% YoY +8.7% QoQ	-15.73%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	56.40% -8.4% YoY -3.1% QoQ	-20.23%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	Top 14.8% in tier
Non-Interest-Bearing Deposit Share ?	16.91% +8.2% YoY -9.7% QoQ	-5.11%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.97% +2.0% YoY +0.7% QoQ	+8.14%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	Top 7.6% in tier
Non-Interest Income / Assets ?	0.03% +3.6% YoY -70.3% QoQ	-0.25%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Bottom 6.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

203

Tier 1 Capital Ratio

capital

Value: 23.97%

Peer Median: 15.83%

#203 of 2664 Top 7.6% in $100M-$1B

395

Loan-to-Deposit Ratio

liquidity

Value: 56.40%

Peer Median: 76.64%

#395 of 2664 Top 14.8% in $100M-$1B

404

Efficiency Ratio

profitability

Value: 49.56%

Peer Median: 65.29%

#404 of 2664 Top 15.1% in $100M-$1B

Top Weaknesses (4 metrics)

2493

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2493 of 2664 Bottom 6.5% in $100M-$1B

2433

Total Loans

size

Value: $73.91M

Peer Median: $255.72M

#2433 of 2664 Bottom 8.7% in $100M-$1B

2268

Total Assets

size

Value: $152.27M

Peer Median: $386.08M

#2268 of 2664 Bottom 14.9% in $100M-$1B

2247

Total Deposits

size

Value: $131.03M

Peer Median: $327.97M

#2247 of 2664 Bottom 15.7% in $100M-$1B