BlastPoint's Banking Scorecard
First State Bank of Roscoe
Micro
Specialty: Agricultural
SD
FDIC cert 9005
Designations: ✓ Community bank
Roscoe, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
First State Bank of Roscoe has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.13% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 14.94% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$146.8M
+11.3% YoY
+5.5% QoQ
|
-$70.7M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$72.8M
-1.9% YoY
+2.7% QoQ
|
-$66.4M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$125.0M
+12.4% YoY
+5.7% QoQ
|
-$58.6M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.77%
-2.7% YoY
-3.2% QoQ
|
+0.69% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.62%
+10.7% YoY
-1.0% QoQ
|
-0.23% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
45.60%
-7.5% YoY
+3.4% QoQ
|
-22.13% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
58.24%
-12.7% YoY
-2.9% QoQ
|
-16.29% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
18.72%
+4.5% YoY
+6.8% QoQ
|
-3.67% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
23.79%
+3.8% YoY
-2.3% QoQ
|
+14.94% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.09%
-14.8% YoY
+19.6% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.60%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.79%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Efficiency Ratio
Current: 45.60% · Tier avg: 67.73%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.79% · Tier avg: 8.85%
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.24% · Tier avg: 74.53%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
37
37th pctile
Total Deposits
Current: $125.0M · Tier avg: $183.7M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.72% · Tier avg: 22.39%
37
37th pctile
Total Assets
Current: $146.8M · Tier avg: $217.5M
30
30th pctile
Total Loans
Current: $72.8M · Tier avg: $139.2M
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
30
30th pctile
Total Loans
Current: $72.8M · Tier avg: $139.2M
37
37th pctile
Total Assets
Current: $146.8M · Tier avg: $217.5M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.72% · Tier avg: 22.39%
37
37th pctile
Total Deposits
Current: $125.0M · Tier avg: $183.7M
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.24% · Tier avg: 74.53%
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.79% · Tier avg: 8.85%
95
95th pctile
Efficiency Ratio
Current: 45.60% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%