Overview / Commentary
602 First Street
Bruce, SD 57220

Richland State Bank is headquartered in Bruce and is the 58th largest bank in the state of South Dakota. It is also the 5,174th largest bank in the nation. It was established in 1927 and as of September of 2018, it had grown to 10 employees at 1 location. Richland State Bank's money market rates are 36% higher than the national average, and it 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 - YTD0.35%
Return on Equity - YTD1.74%
Annual Interest Income$129.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$38.1MM$44.3MM
LoansQ3 2018vs Q3 2017$14.8MM$15.9MM
DepositsQ3 2018vs Q3 2017$33.2MM$32.8MM
Equity CapitalQ3 2018vs Q3 2017$4.8MM$11.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$10.00K$170.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$127.00K$118.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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Richland State Bank Savings Account Rates

0.70%$10-Passbook Saving Account

Richland State Bank Money Market Rates

0.60%$1k-Money Market Account

Richland State Bank Checking Account Rates

0.35%$1k-Super Now Account
0.25%$500-Regular Now Account

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

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