Anchorage Digital Bank NA vs Richland State Bank
Side-by-side bank health comparison using FDIC financial data
Anchorage Digital Bank NA (A) and Richland State Bank (A) are close on the BankHealth rubric. Asset bases: $52M versus $42M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Anchorage Digital Bank NA has a stronger Bank Health Score of 100/100 (A) compared to Richland State Bank at 99/100 (A), a difference of 1 points. Anchorage Digital Bank NA holds a Tier 1 capital ratio of 84.5% and an NPL ratio of 0.00%.
| Metric | Anchorage Digital Bank NA | Richland State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 99/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 84.5%* | 26.8% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.2% |
| Liquidity Ratio Cash and liquid assets vs obligations | 87.1%* | 58.0% |
| Return on Assets Profitability metric (above 1% is strong) | 72.5%* | 3.5% |
| Total Assets | $52M | $42M |
| Total Deposits | $0 | $38M |
| Location | Sioux Falls, South Dakota | Bruce, South Dakota |
Anchorage Digital Bank NA has a stronger Bank Health Score of 100/100 (A) compared to Richland State Bank at 99/100 (A), a difference of 1 points. Anchorage Digital Bank NA holds a Tier 1 capital ratio of 84.5% and an NPL ratio of 0.00%.