# RICHLAND STATE BANK
BRUCE, SD · FDIC certificate 1675 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $49.6M | |
| Deposits | $44.7M | |
| Loans and leases | $19.5M | |
| Total equity | $4.7M | |
| Loans / deposits | 42.61% (p14 of band) | 73.59% |
| Liquid assets / assets | 59.27% (p87 of band) | |
| Uninsured deposits / deposits | 17.99% (p43 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.30% (p56 of band) | 11.76% |
| Unrealized securities loss / equity | -27.51% (p15 of band) | -6.57% |
| AOCI / equity | 1.00% (p97 of band) | |
| ROA (annualized) | 2.03% (p86 of band) | 1.17% |
| Net interest margin | 2.63% (p6 of band) | 3.93% |
| Efficiency ratio | 69.39% (p59 of band) | |
| Noncurrent loans | 0.15% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1603.33% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 4.17% (p27 of band) | |
| Auto loans | $440,000 (2.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 24.0% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 2 | capital falling, NIM <2.5% | uninsured deposits leaving |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | uninsured deposits leaving | NIM <2.5% |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 3 | deposits shrinking, assets shrinking |  |
| 2018-09 | 3 | NIM <2.5%, reserve under noncurrent | uninsured deposits leaving, deposits shrinking |
| 2018-12 | 3 | deposits shrinking | reserve under noncurrent |
| 2019-03 | 2 |  | NIM <2.5% |
| 2019-06 | 3 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2019-09 | 2 | deposits shrinking | noncurrent p90, reserve under noncurrent |
| 2019-12 | 0 |  | assets shrinking, deposits shrinking |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 2 |  | deposits shrinking, assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2026-03 | 1 | securities losses >30% of equity |  |
| 2026-06 | 1 | capital falling | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-01-08 [Keynote Speakers | Washington Summit - American Bankers Association (ABA)](https://news.google.com/rss/articles/CBMilAFBVV95cUxNY0lQdnVVYWlndFdPcHAwa095T09RWVJCbzFyTGFVNmR4bEVlendWbWc0cUlSYkFiLUNOckZlY1dlcEg2cjFJN3dRZWFOZGpLamwwZ29zZlhIZTFrVFZiakFaNHRnLWhvV0NBRlhjMU5uNW5WcHE3YUFLTEJIMUd5MHFhTHQ3bTZwRVRRbF9zMUpJNThO?oc=5) · American Bankers Association (ABA)
- 2020-07-07 [SBA releases list of businesses that benefited from PPP loans - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxQck1HenhZN1ZQYkZJMHJWVjVURW5FTHJiWGUxRXhXbTJwOVdNTWRSQjVkUmtoSjQ1Tk1qc1h2UmQ3OWx4LUJLVTd3TUlYekRFSmNLZmtFMWU0WmFDWkI5cEFIRWNoVWpaU0dsUFR1UEdlZGFQTHliOU56eXc2cDVxRkFuOTUtRjl0MUpRRnl0Uld6OG9T?oc=5) · SiouxFalls.Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1675 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "1675", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide