# BRYANT STATE BANK
BRYANT, SD · FDIC certificate 6064 · 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 | $52.9M | |
| Deposits | $45.7M | |
| Loans and leases | $30.3M | |
| Total equity | $6.2M | |
| Loans / deposits | 62.42% (p34 of band) | 73.59% |
| Liquid assets / assets | 44.20% (p70 of band) | |
| Uninsured deposits / deposits | 47.50% (p96 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.58% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -2.30% (p69 of band) | -6.57% |
| AOCI / equity | -3.29% (p5 of band) | |
| ROA (annualized) | 1.96% (p85 of band) | 1.17% |
| Net interest margin | 6.90% (p100 of band) | 3.93% |
| Efficiency ratio | 55.61% (p24 of band) | |
| Noncurrent loans | 0.40% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | 2.08% (p100 of band) | |
| Reserve coverage of noncurrent | 1439.17% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $190,000 (0.63% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, deposits shrinking |  |
| 2014-09 | 0 |  | capital falling, deposits shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 3 | uninsured deposits >50%, AOCI drag >20% of equity |  |
| 2022-12 | 3 | capital falling | AOCI drag >20% of equity |
| 2023-03 | 2 |  | uninsured deposits >50% |
| 2023-06 | 2 | uninsured deposits >50% | capital falling |
| 2023-09 | 1 |  | uninsured deposits >50% |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | uninsured deposits >50% | capital falling |
| 2024-09 | 1 |  | uninsured deposits >50% |
| 2024-12 | 2 | uninsured deposits >50% |  |
| 2025-03 | 1 |  | uninsured deposits >50% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2024-07-27 [Dorothy Ann Evenson Obituary Jul 27, 2024 - Furness Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9Ea0JUS2JmNFFXNXcwSm5kMGRuZzZLVzZtYjFwNUU5OTFKV29PVlB5MEsyTkRGcS12M282Q19xc0dyclFCRTc4WnMwa3VxY09yVHpaaUlkbWJGM2p6N0hyUERBaDZRU0lrZ1ZUUzlR?oc=5) · Furness Funeral Home
- 2025-10-28 [Ruth DeLaine Noem Obituary (2025) - Watertown, SD - Osthus Funeral Home - De Smet - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTFBCQlJVVmNIM3MweFFmQnF1M3NxYWx1RzF0RXpHT2FiMnNna2dVRDJSYnNPN1Rub043ME5LR3AzZ0w1NE45Qm1tcUFVVGVMQmx2QXJBWi1ZM1pKMG5yVXU0ekNFZ0NxUlctdDVUOVM4SXB0UzRmZVMwM0pJN0U?oc=5) · Legacy obituary
- 2014-04-22 [Increased regulations threaten small banks - Argus Leader](https://news.google.com/rss/articles/CBMiugFBVV95cUxQWnZYb0tNM0N0Q3RyUVZyZEh2Wm5Ed2dzc09iTmE3Q0cwaU5oaUNxb2Vxd3U0Y3JQYlZtY3ctQXdzb092bVJjeW4wcXNfZXBzdkJRREFzRkNRaWt1ZFl0cjc0akhtMTVORUMyaVcwRng0NVVrUmpoT2pJUEh3ak1lbmZ2QV91QWMyNno3R1VSTUVqUFFVa2ZaR3lMVzAzVWlRQjBVVjk0cl96N1VfR1dzUWE1UWVsVWdDQ1E?oc=5) · Argus Leader
- 2020-02-26 [Donna Fedt Obituary - Watertown Public Opinion](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTlBPVXRCWDFNbUlpQTRTdlBDb1BZVFZWaUNCTnBSaWo4VUkzakQ5eURqU0tTamY1aDVEY2JncDhfb2dDZ1Myd05rb1NncHBKZ0JrNUxyVHdFc05iNUYwN1FSZWttdllSN09LYUM2QngxdDI3X2pObVhEdEZubHVxTE43Yi1xWGZvcFVFZ0dvRDFLWUJJSXVB?oc=5) · Watertown Public Opinion
- 2018-05-29 [Sioux Falls Movers & Shakers: May 30 - Argus Leader](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPNkg2dE1qR2QxOEFWelZweGhmS1d0SlhUQmpucGZuelFOTHlBMzBkS0lRQTM0OXpHbmV0N0RLbHZYcTNZYzdkNEdYbEVtZFpROUpRSlJqSV9QLXpDaVJqU1M1VUNqY3Zkb2ZUenBCT1pxSW1hWndFVzVKYUpHMkNFNV9iUjdINXkxNDZ3TDdrZ0NxMWg1MWFZUkU0X3oxQ0oyX01zRzIySnZQRGM?oc=5) · Argus Leader
- 2025-09-11 [Kristi Noem Husband Occupation & Family Insights - cuindependent.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQVFpVZ19pUHVMOXhNY0pKUzZLRVJDYXBXd1d5U1BaZ1hJMDBxS0c2VlJscWJpZG5OZlRZWmVWRTltcUJKLUF5bjAtTmV6dHZHbWV6WktGRlhlWHd1Tnk0NWVhRW5HdVFkdWFKQU1EVnUwemo4VnppUURfUzFjTTNTQnJLOA?oc=5) · cuindependent.com
- 2020-07-25 [Mary Hallberg Obituary (1928 - 2020) - Sioux Falls, SD - Argus Leader - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQk02djZDMTZfN0phZVhJbmNEOXpCX3lhY05WNmNmaUpSV05tMzhpSFVCQVh2VTllOGtNUDI3cjZHUmVtWk03R0YtNk94YW4xZ2w1ZndsRXdkclgzdmtydzVnZVhOUGlNc294S244WDAxNFRxNzJmS25qS2lBakdsbWN6SWZUUUhEWHkzSkZjTmE?oc=5) · Legacy obituary
- 2021-11-26 [Bryon Noem’s biography: who is Governor Kristi Noem’s husband? - legit.ng](https://news.google.com/rss/articles/CBMipgFBVV95cUxQWHd4VnpVQTI4a1hKb0ZlZ2ZhSDk2cjhfUDBDXzNYNkZKNHZHZjhwZjNsLXBMS0JJekhzUVgxN2NCWEdGWHhabXJaRzBvMEZER1UzcVl4V0RWbEpxZXEyR05kcnQtS3VseDdrRGVQcHZEb2VUTEdtTG5FRENOQXdvUmpoeExOTnMzRDFEV0ZiRVZxRG9ZUHRCV2VYWVlmM21sNUQtSUVn?oc=5) · legit.ng

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6064 (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/48.json (key "6064", 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.

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