Bank · FDIC insured
Richland State Bank
A $49.6M bank headquartered in Bruce, SD, with 1 branch in South Dakota. Best rates: savings 0.70% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings820.80%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Richland State Bank
- Headquarters
- 602 1st St, Bruce, SD 57220
- FDIC certificate
- 1675 ↗
Branches
1 branch in South Dakota
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South Dakota
1 branch
- Richland State BankMain office602 1st St, Bruce, SD 57220Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.30% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.15% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 2.03% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $44 | $67 | — |
- CapitalLeverage ratio12.30%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.15%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets2.03%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$44Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Richland State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.