BlastPoint's Banking Scorecard
Richland State Bank
Micro
Specialty: Other
SD
FDIC cert 1675
Designations: ✓ Community bank
Bruce, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Richland State Bank shows strong momentum with 1 strength and 9.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 3.33% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.1M
+9.3% YoY
+8.5% QoQ
|
-$173.4M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$22.4M
+14.4% YoY
+19.1% QoQ
|
-$116.7M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$39.2M
+8.2% YoY
+9.0% QoQ
|
-$144.4M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.65%
-33.9% YoY
-6.5% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
2.84%
-18.0% YoY
-1.6% QoQ
|
-1.01% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
75.68%
+15.4% YoY
+1.7% QoQ
|
+7.95% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.12%
+627.6% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
57.22%
+5.7% YoY
+9.3% QoQ
|
-17.30% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
21.11%
+20.4% YoY
+26.9% QoQ
|
-1.29% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.06%
+698.8% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
20.94%
-9.9% YoY
-7.4% QoQ
|
+12.09% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
3.89%
-16.2% YoY
+22.0% QoQ
|
+3.33% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.89%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest Income / Assets
Current: 3.89% · Tier avg: 0.56%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.94% · Tier avg: 8.85%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.11% · Tier avg: 22.39%
27
27th pctile
Efficiency Ratio
Current: 75.68% · Tier avg: 67.73%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.22% · Tier avg: 74.53%
11
11th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.85%
8
8th pctile
Total Loans
Current: $22.4M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $39.2M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $44.1M · Tier avg: $217.5M
Top Weaknesses
6
6th pctile
Total Assets
Current: $44.1M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $39.2M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $22.4M · Tier avg: $139.2M
11
11th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.85%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.22% · Tier avg: 74.53%
27
27th pctile
Efficiency Ratio
Current: 75.68% · Tier avg: 67.73%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.11% · Tier avg: 22.39%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.94% · Tier avg: 8.85%
99
99th pctile
Non-Interest Income / Assets
Current: 3.89% · Tier avg: 0.56%