Richland State Bank

Overview / Commentary
602 First Street
Bruce, SD 57220

Richland State Bank is headquartered in Bruce and is the 52nd largest bank in the state of South Dakota. It is also the 4,478th largest bank in the nation. It was established in 1927 and as of March of 2022, it had grown to 12 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 relatively low asset base.

Health Grade Components

FDIC Certificate #1675
Year Established1927
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.87%
Return on Equity - YTD31.48%
Annual Interest Income$434.00K
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$55.8MM$48.4MM
LoansQ1 2022vs Q1 2021$21.0MM$20.6MM
DepositsQ1 2022vs Q1 2021$51.2MM$43.4MM
Equity CapitalQ1 2022vs Q1 2021$4.5MM$4.9MM
Loan Loss AllowanceQ1 2022vs Q1 2021$471.00K$294.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$0$3.00K
Real Estate OwnedQ1 2022vs Q1 2021$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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