Richland State Bank

Overview / Commentary
602 First Street
Bruce, SD 57220

Richland State Bank is headquartered in Bruce and is the 57th largest bank in the state of South Dakota. It is also the 4,870th largest bank in the nation. It was established in 1927 and as of June of 2020, it had grown to 10 employees at 1 location. Richland State Bank has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Richland State Bank has a low asset base.

Health Grade Components

FDIC Certificate #1675
Year Established1927
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.52%
Return on Equity - YTD19.5%
Annual Interest Income$692.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$36.5MM$34.7MM
LoansQ2 2020vs Q2 2019$15.8MM$13.4MM
DepositsQ2 2020vs Q2 2019$31.5MM$29.8MM
Equity CapitalQ2 2020vs Q2 2019$4.9MM$4.7MM
Loan Loss AllowanceQ2 2020vs Q2 2019$163.00K$88.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$0$370.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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Richland State Bank Savings Account Rates

0.20%$10-Passbook Saving Account

Richland State Bank Money Market Rates

0.15%$1k-Money Market Account

Richland State Bank Checking Account Rates

0.10%$1k-Super Now Account
0.05%$500-Regular Now Account

Richland State Bank Locations
Richland State Bank602 First StreetBruce, SD 57220

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