Richland State Bank

Richland State Bank is a currently active agricultural specialization banking institution headquartered in Bruce, South Dakota. Established in 01/01/1927, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Richland State Bank manages $46.2M in total assets and holds $41.6M in customer deposits. When evaluating the stability of Richland State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.61%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.43%, while its Return on Equity (ROE) sits at 14.04%. These robust metrics contribute to an overall health score of 9.8 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.