First State Bank of Roscoe
Roscoe, SD
IDRSSD: 189950
Total Assets
$139.13M
Latest filing
Total Deposits
$118.24M
Latest filing
Net Interest Margin
3.64%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank of Roscoe
202 North Mitchell Street
Roscoe, SD 57471
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/23/1903FDIC Certificate 5751
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank of Roscoe (Main) | 202 North Mitchell Street | Roscoe, SD |
| BOWDLE BRANCH | 5002 South Fourth Avenue | Bowdle, SD |
| EUREKA BRANCH | 901 7th Street | Eureka, SD |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/23/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57471 |
| State and County Number | 46045 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Aberdeen, SD |
Operational Info
| Number of Employees | 12 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/14/2025 |
| CERT | 9005 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $139.13M |
| Total Deposits | $118.24M |
| Total Liabilities | $119.62M |
| Total Equity Capital | $19.51M |
| Net Income | $664.00k |
| Net Loans and Leases | $70.92M |
| Assets Per Employee ($Millions) | $11.59M |
| Bank Premises and Fixed Assets | $2.56M |
| Cash and Balances due from Depository Institutions | $12.25M |
| Deposits Held in Domestic Offices | $118.24M |
Key Performance Ratios
| Return on Assets (ROA) | 1.91% |
| Return on Equity (ROE) | 13.7% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 40.98% |
| Tier 1 Risk-Based Capital Ratio | 24.361% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.026% |
| Earning Assets to total Assets | 89.92% |
Income and Expense
| Total Interest Income | $1.76M |
| Total Noninterest Income | $37.00k |
| Total Interest Expense | $618.00k |
| Total Noninterest Expense | $484.00k |
| Net Interest Income | $1.14M |
| Pre-tax Net Operating Income | $697.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $17.76M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.38M |
| Total Liabilities and Capital | $139.13M |
Securities
| Securities | $30.50M |
| Available-for-sale debt securities | $30.50M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of Roscoe?
$139.13M as of the latest filing.
How much are First State Bank of Roscoe's total deposits?
$118.24M in total deposits.
Where is First State Bank of Roscoe located?
Roscoe, SD.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
3.
When was it established?
05/23/1903.
What is the Return on Assets (ROA)?
1.91%.
How much are total loans and leases?
$70.92M (latest filing).
What is the total interest income (latest filing)?
$1.76M.