Is First State Bank of Roscoe Safe?
First State Bank of Roscoe has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (75/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 22.61% | 100/100 |
| Nonperforming Loan Ratio | 1.23% | 75/100 |
| Liquidity Ratio | 31.05% | 100/100 |
| Return on Assets | 2.01% | 100/100 |
| Total Assets | $0.1B | |
How does First State Bank of Roscoe compare?
With a Bank Health Score of 93/100, First State Bank of Roscoe sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within South Dakota, where 47 FDIC-insured banks are headquartered, First State Bank of Roscoe ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 22.61% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.23% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, First State Bank of Roscoe's Bank Health Score improved by 3.0 points to 93/100. Tier 1 capital weakened by 1.83 percentage points to 22.61%. Quarter-over-quarter, the score rose by 4.0 points.
First State Bank of Roscoe has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (75/100).