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First State Bank of Roscoe

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

Roscoe, SD

3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
  • Deposits +6.6% year over year ($125.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.63%.
  • Efficiency ratio 49.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 24 in SD
View $100M-$1B leaderboard (SD) →

First State Bank of Roscoe has 4 strengths but faces 4 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 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.31% above tier average
  • + Efficiency Ratio 15.12% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 45.4% in tier
  • - Margin Compression: Bottom 73.6% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
  • - Net Interest Margin 0.40% below tier average
Get updates when First State Bank of Roscoe releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $147.5M
+6.4% YoY -3.1% QoQ
-$239.1M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
Bottom 13.3% in tier
Total Loans ? $77.2M
+6.9% YoY +4.4% QoQ
-$181.1M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
Bottom 9.3% in tier
Total Deposits ? $125.8M
+6.6% YoY -4.0% QoQ
-$201.0M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
Bottom 13.8% in tier
Return on Assets ? 1.63%
-8.6% YoY +1.3% QoQ
+0.31% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 3.58%
-1.9% YoY +1.9% QoQ
-0.40% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 49.36%
+8.2% YoY -0.4% QoQ
-15.12% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 61.38%
+0.2% YoY +8.8% QoQ
-16.57% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 15.56%
-7.5% YoY -8.0% QoQ
-6.48% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 23.95%
-1.3% YoY -0.1% QoQ
+8.04% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
Top 8.0% in tier
Non-Interest Income / Assets ? 0.04%
-7.5% YoY +67.8% QoQ
-0.52% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
Bottom 4.8% in tier

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 15.6%
-1.3pp YoY
-1.4pp QoQ
 -6.6pp 22.1% 23.5% 22.2% 26%
Brokered Deposits n/a n/a 7.9% 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 8.3%
-1.6pp YoY
+0.2pp QoQ
 -3.3pp 11.6% 14.1% 12.5% 42%
CRE 13.1%
+4.8pp YoY
+1.4pp QoQ
 -26.4pp 39.5% 31.5% 41.4% 9%
1-4 Family 1.7%
+1.0pp YoY
+0.2pp QoQ
 -30.9pp 32.6% 14.9% 31.3% 2%
Consumer 1.2%
+0.1pp YoY
+0.3pp QoQ
 -2.9pp 4.1% 8.5% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 23.9%
-0.3pp YoY
0.0pp QoQ
 +5.1pp 18.8% 17.6% 19.7% 87%
Leverage Ratio 13.8%
-0.1pp YoY
+0.5pp QoQ
 +1.7pp 12.2% 11.9% 12.6% 81%
Total Capital Ratio 25.0%
-0.4pp YoY
0.0pp QoQ
 +5.1pp 19.9% 18.8% 20.8% 87%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 12
0 YoY
0 QoQ
 -47 58 6,279 482 2%
Assets per Employee ($) $12.3M
+6.4% YoY
-3.1% QoQ
 +$4.8M $7.5M $8.1M $8.8M 93%
Branch Count 3
0 YoY
0 QoQ
 -2 4 92 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 96.54x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.7% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 12.0%
-1.0pp YoY
0.0pp QoQ
 -0.2pp 12.2% 12.4% 11.6% 50%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 56%
Net Income ($, YTD) $1.2M
-0.1% YoY
— QoQ
 -$1.3M $2.6M $418.8M $40.4M 34%

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 (2)

Liquidity Overhang

risk
#338 of 742 • Bottom 45.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.95%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 61.38%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Margin Compression

decline
#227 of 307 • Bottom 73.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.63%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
212
Tier 1 Capital Ratio
capital
Value: 23.95%
Peer Median: 15.91%
#212 of 2643 Top 8.0% in $100M-$1B
414
Efficiency Ratio
profitability
Value: 49.36%
Peer Median: 64.48%
#414 of 2643 Top 15.6% in $100M-$1B
502
Loan-to-Deposit Ratio
liquidity
Value: 61.38%
Peer Median: 77.95%
#502 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (4 metrics)

2518
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2518 of 2643 Bottom 4.8% in $100M-$1B
2398
Total Loans
size
Value: $77.20M
Peer Median: $258.35M
#2398 of 2643 Bottom 9.3% in $100M-$1B
2293
Total Assets
size
Value: $147.48M
Peer Median: $386.57M
#2293 of 2643 Bottom 13.3% in $100M-$1B
2279
Total Deposits
size
Value: $125.77M
Peer Median: $326.73M
#2279 of 2643 Bottom 13.8% in $100M-$1B
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