# FIRST STATE BANK OF ROSCOE
ROSCOE, SD · FDIC certificate 9005 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $147.5M | |
| Deposits | $125.8M | |
| Loans and leases | $78.2M | |
| Total equity | $20.5M | |
| Loans / deposits | 61.38% (p32 of band) | 73.59% |
| Liquid assets / assets | 42.85% (p68 of band) | |
| Uninsured deposits / deposits | 22.61% (p60 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.84% (p70 of band) | 11.76% |
| Unrealized securities loss / equity | -3.16% (p65 of band) | -6.57% |
| AOCI / equity | -1.57% (p17 of band) | |
| ROA (annualized) | 1.63% (p74 of band) | 1.17% |
| Net interest margin | 3.58% (p32 of band) | 3.93% |
| Efficiency ratio | 49.36% (p13 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 58% | |
| Construction % of loans | 15.48% (p47 of band) | |
| Auto loans | $784,000 (1.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | deposits shrinking, assets shrinking |  |
| 2013-03 | 0 |  | deposits shrinking, assets shrinking |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 1 | deposits shrinking |  |
| 2014-06 | 0 |  | deposits shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | liquid assets <10% |  |
| 2017-03 | 0 |  | liquid assets <10% |
| 2017-06 | 1 | liquid assets <10% |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | liquid assets <10% |
| 2018-03 | 3 | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2018-06 | 2 |  | reserve under noncurrent |
| 2018-09 | 2 | loans exceed deposits, liquid assets <10% | charge-offs p90, uninsured deposits leaving |
| 2018-12 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | capital falling, NIM <2.5% |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity | NIM <2.5% |
| 2022-12 | 1 |  | reserve under noncurrent, AOCI drag >20% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | deposits shrinking | noncurrent p90 |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 3 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 1 |  | capital falling, deposits shrinking |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2019-01-31 [South Dakota banker John Beyers loses contempt, sanctions appeal - Argus Leader](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNTE1mb05EeG9LaWhlVFlUcnEydHJrRFB0VG1EZ2llbmstc1Z6ZGwydlJ3TEZBb0JpQnFldTF3emh5VTZjb1dJN085MVlUdHFuNXlZdzEzcGlOcklaQk1nOXJiam5XUjhKdW0zSHVWOVQtWEJBc2UzUy1JS2Nob0hya2o0MXlVeF9rYnpiUmpLWEFmMF9DYkNLWUYyRW12Q3l0RjN3bkN1M0tfck5JdjAxQmJrVWZSckpoanZucGdqS0xZTnM?oc=5) · Argus Leader
- 2021-03-09 [John Beyers Obituary - aberdeennews.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPc2pQd2U2SzRMMmtVM3hpbURYNU9SeEMtemh2VDE0bnZtaWFXakdFZkVkcHlLRlA0ZGFweVRUak5CcW5jZWtPQjY3NVJJNXJNU1BVazhqQ0ZxWmRrYUk4cEphNFB0UFRtOUF4YlJMaEloT1VkSV9DVzdHdWhqU3RQRFVuN3JlQmdJQ29felFLQlVwTkk?oc=5) · aberdeennews.com
- 2025-06-12 [City Of Aberdeen - Notice Of 6/3/25 City Council Meeting Minutes - Aberdeen Insider](https://news.google.com/rss/articles/CBMilgFBVV95cUxPUHZ3WFNrcWlCOGI5Si1lS1A0QkNMVTBWYlhMQk9PSE9lanBWZS1kRVdONGZNNEU0MXEwbW1NVlhZbVdtUDl0YmFROW5MbTZONGFCSmZTazZOOTE0bmIwa3RmQUhDbDhzbkJuaEFvYWdhdkUwS2lzbWRNRV90cUR2LWRyc0ZZRndzZFJyXzA1Yjhtc0RheXc?oc=5) · Aberdeen Insider
- 2017-08-29 [From one to nine B-Wings & Rings, plus ‘lots of adventure’ at Two Men | Article Archive - franchisetimes.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNa3Y3Y1Rvb3RvUWluXzFLQUowWlNBRlN5ME04SWhaN0dYSGd2YjlZNWZZc2U0YXFVb2RXOS1ybUdkOTA5YTFSZkwzVUoyZkpNUVhRd3h1MFNsZ2NwZHRSYTQ2TFM2M2JLaTlJdndEWHdIUXF0aHNqeDN4a1lycWZxSTRMc1hJZHJ4UFlVd1NfdFZtajZDZW9fZm9UTXBkeEVJSmJ0dXdEVUxOdnh5QWMyNmtkUGI3a2pIdkhjUGZ0TF9YSnRKNmdCSl9hUDZueXVzdFJ6YjVMaUxXeXY1WDRqY2hkWnNUUnZZRlJsVl9KVmEteXM?oc=5) · franchisetimes.com
- 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
- 2015-08-03 [Emmett H. Johnson - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxORmVuQ1hZazhpU0tMUjI3cHdPcHkyakg1ci0zZzhuSk1GeTdLdTZLcWFGLUQ2N21XSEZTaTBwNlltUmhIUVlzcno0RzZmZnlqb2hNdWJQRmJLZmJQR2NpdUs2NGR2enpORkw4Y01KRUI0djVUbDdLVmpsNFFGbWdTWVA5cjJSTFd6ZU5qMlpqN2VCQQ?oc=5) · legacy.com
- 2008-05-16 [Raymond Beyers - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPb1psYkhhNVlDOFN1TllURWFLSTV5SjRoRVpfTUxCanEtWTVKc0QxU1pNek9YWlAxVnA4TlRBRFV1S3dUeDRpM0xSdC1uTXhGaHJrVnlZNEN6dmNSWGlDLXVOUkU4UllhTGR6dmNTMzI4cEEtd1Q0cGZ2aUs4ODAtekMyaFVnNEpYTlFrbGtOZjVDQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9005 (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/45.json (key "9005", 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