1.61%
−3.8%y/y
Peer standing74th percentile
FDIC
NETINC + ROAFS
First State Bank of Roscoe
Roscoe, South DakotaFDIC Cert #9005
STATEEstablished 19033 branches
Holding company: ROSCOE CMTY BANKSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
11.97%
−2.3%y/y
Peer standing55th percentile
FDIC
NETINC + ROE1.69%
−4.4%y/y
Peer standing68th percentile
FDIC
PTAXNETINC + ASSET3.52%
−3.5%y/y
Peer standing32nd percentile
FDIC
NIM + NIMY5.29%
−5.7%y/y
Peer standing40th percentile
FDIC
INTINCY2.23%
−8.0%y/y
Peer standing52nd percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
49.56%
+1.8%y/y
Peer standing87th percentile
FDIC
NONIX + NIM + NONII + EEFFR1.66%
−1.1%y/y
Peer standing94th percentile
FDIC
NONIX + ASSET3.20%
+6.1%y/y
Percentile by value9th percentileby value
FDIC
NONII + NIM+10.27%
+458.7%y/y
Percentile by value84th percentileby value
FDIC
ASSET+10.92%
+450.5%y/y
Percentile by value83rd percentileby value
FDIC
DEP+1.55%
−87.5%y/y
Percentile by value29th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.61%74th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE11.97%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.52%32nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.56%87th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+10.92%83rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+1.55%29th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ13.32%73rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.23%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC22%14th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.61%58th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.44%Median 1.35%90th 2.58%Observations 58
ROE
FDIC
NETINC + ROE11.97%47th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.83%Median 13.03%90th 24.66%Observations 58
NIM
FDIC
NIM + NIMY3.52%32nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.99%Median 3.74%90th 6.06%Observations 58
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.56%77th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.47%Median 59.23%90th 81.90%Observations 58
Deposits YoY
FDIC
DEP+10.92%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.68%Median +5.29%90th +11.82%Observations 56
Loans YoY
FDIC
LNLSNET+1.55%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +7.39%90th +15.05%Observations 56
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.30%90th 1.43%Observations 56
Leverage
FDIC
RBC1AAJ13.32%74th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.52%Median 11.01%90th 17.74%Observations 58
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.23%65th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.82%Median 2.39%90th 3.95%Observations 56
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC22%26th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 1%Median 60%90th 215%Observations 39
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.61%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.98%Median 2.13%90th 2.67%Observations 13
ROE
FDIC
NETINC + ROE11.97%33rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.39%Median 14.00%90th 25.91%Observations 13
NIM
FDIC
NIM + NIMY3.52%33rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.04%Median 4.35%90th 4.87%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.56%50th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.37%Median 49.56%90th 62.84%Observations 13
Deposits YoY
FDIC
DEP+10.92%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +1.60%Median +4.67%90th +10.72%Observations 12
Loans YoY
FDIC
LNLSNET+1.55%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.69%Median +6.78%90th +14.53%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.08%90th 1.11%Observations 12
Leverage
FDIC
RBC1AAJ13.32%67th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.38%Median 11.63%90th 17.42%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.23%73rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.20%Median 2.33%90th 2.71%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC22%40th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 5%Median 26%90th 74%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.