Richland State Bank is a bank based in Bruce, South Dakota, established in 1927, with $46 million in total assets across 1 branch. By Trust Grade it ranks 32nd of 56 banks we track in South Dakota. Its capital ratio of 9.6% trails most similarly sized banks (26th percentile), versus a South Dakota median of 10.4%. It was profitable over the most recent period, with a 1.43% return on assets. No consumer complaints against Richland State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Richland State Bank compares to South Dakota peers
How we graded Richland State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.6% capital ratio)
- Strongly profitable (ROA 1.43%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Richland State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 602 1st St, Bruce, SD 57220
Are deposits at Richland State Bank insured?
Yes. Richland State Bank is an FDIC-insured bank (FDIC certificate #1675). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Richland State Bank: frequently asked questions
Is Richland State Bank a good bank?
Richland State Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.6% capital ratio); Strongly profitable (ROA 1.43%).
Is Richland State Bank FDIC-insured?
Yes. Richland State Bank is a FDIC-insured bank (FDIC certificate #1675). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Richland State Bank?
Richland State Bank holds $46 million in total assets, ranking 32nd of 56 banks we track in South Dakota. It operates 1 branch.
Does Richland State Bank have CFPB complaints?
No CFPB complaints against Richland State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
