Total Assets
$54M
Total balance-sheet footings
FDIC Cert #6064 · Bryant, South Dakota · Est. 1915
Bryant State Bank - FDIC Bank Health Profile
A community-scale look at Bryant State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $54M
- Total assets
- A
- Health grade · Excellent
- 1.61%
- Return on assets
- 16.6%
- Tier 1 capital
Data updated July 2026
The verdict
Bryant State Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 16.58% Tier 1, profitable at 1.61% ROA, efficient (55% cost ratio).
- #4,103
- largest of 4,313 FDIC banks by assets
- 5th
- percentile by asset size, nationally
- 16.58%
- Tier 1 ratio - above the 10% well-capitalized line
- 78th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bryant State Bank's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bryant State Bank's composite health score
Tier 1 Capital Ratio (16.58%) 40/40
Return on Assets (ROA) (1.61%) 25/25
Texas Ratio (1.65%) 20/20
Efficiency Ratio (54.85%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$47M
Customer-funded liabilities
Net Loans
$31M
Outstanding loan book
Net Income
$843K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bryant State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bryant State Bank's score of 97/100 falls in the highlighted band.
Bryant State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bryant State Bank's $54M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.58%
Texas Ratio
1.65%
Equity Capital
$6M
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.61%
Return on Equity (ROE)
14.56%
Efficiency Ratio
54.85%
What the numbers say about Bryant State Bank
Bryant State Bank is an FDIC-insured institution (Certificate #6064) headquartered in Bryant, South Dakota, established in 1915. It holds $54M in total assets - 4,103rd of 4,313 FDIC-insured banks, $47M in customer deposits, and $31M in net loans. Its capital position: a Tier 1 ratio of 16.58%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.65% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (97 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bryant State Bank is a community-scale institution -- 51st of 56 FDIC-insured banks headquartered in South Dakota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$1M
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bryant State Bank reports a Texas Ratio of 1.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bryant State Bank (FDIC Cert #6064) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is Bryant State Bank's health grade?▼
Bryant State Bank receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bryant State Bank?▼
Bryant State Bank holds $54M in total assets and $47M in deposits, ranking 4,103rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Bryant, South Dakota.
Is my money safe at Bryant State Bank?▼
Yes, deposits at Bryant State Bank (Certificate #6064) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bryant State Bank's Tier 1 Capital Ratio?▼
Bryant State Bank has a Tier 1 Capital Ratio of 16.58%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bryant State Bank?▼
Bryant State Bank has a Texas Ratio of 1.65%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bryant State Bank?▼
Bryant State Bank has an Efficiency Ratio of 54.85%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bryant State Bank's profile as a depositor or analyst.
- Bryant State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bryant State Bank against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.