The Roberts County National Bank of Sisseton

The Roberts County National Bank of Sisseton is headquartered in Sisseton and is the 55^th largest bank in the state of South Dakota. It is also the 6,234^th largest bank in the nation. It was established in 1896 and as of March of 2012, it had grown to 12 employees at 1 location. The Roberts County National Bank of Sisseton has a 5-star health rating.

The Roberts County National Bank of Sisseton Checking Account Rates

The Roberts County National Bank of Sisseton Savings Account Rates

The Roberts County National Bank of Sisseton Money Market Rates

The Roberts County National Bank of Sisseton CD Rates

The Roberts County National Bank of Sisseton IRA Rates

Data for Q1 2012

Institution Statistics The Roberts County National Bank of Sisseton FDIC Certificate # 4019 BankRate Report View Year Established 1896 Employees 12 Primary Regulator OCC Assets and Liabilities Assets $54.23 million Loans $11.19 million Deposits $44.34 million Equity Capital $9.78 million Loan Loss Allowance $93,000 Historic Data - March 2011 Assets $51.40 million Equity Capital $9.50 million Loan Loss Allowance $95,000 Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets 1.34% Return on Equity 7.31% Interest Income $453,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Roberts County National Bank of Sisseton had $0 in non-current loans and owned real-estate with $9.88 million in equity and loan loss allowances on hand to cover it. This gives The Roberts County National Bank of Sisseton a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The Roberts County National Bank of Sisseton has increased its total deposits by $2.57 million, resulting in 6.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Roberts County National Bank of Sisseton has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Roberts County National Bank of Sisseton has $54.23 million in assets with $9.88 million in equity, resulting in a capitalization level of 18.21%, which is excellent.

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