Bryant State Bank

124 Main Avenue
Bryant, SD 57221


General Bank Information

FDIC Insured Yes
FDIC Certificate # 6064
Date Established 1915
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.00 billion

Bryant State Bank is an FDIC insured institution located in Bryant, SD. It was founded in 1915 and has approximately $0.04 billion in assets.

For a more detailed analysis of Bryant State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bryant State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in South Dakota, Bryant State Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.84
Credit Card Loans 1.13
Consumer Auto Loans 0.95
Small Business Loans 7.57
Construction and Development Loans 0.00
Commercial Real Estate 7.57
Commercial and Industrial Loans 28.93
Farm Loans 36.33

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.50% $10,000 $24,999 Learn MoreShow Less
3 Mo CD 100K
0.50% $25,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.75% $1 $9,999 Learn MoreShow Less
MM 2.5K
0.05% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.10% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.10% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $800 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bryant State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.447% 4.375% 0.50 $2,244 $1,249 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Bryant State Bank
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Financial Details

Bryant State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bryant State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bryant State Bank U.S. Bank Average
0.06% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bryant State Bank had $3,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,540,000 in equity and $482,000 in loans loss reserves. That gives it a Texas Ratio of 0.06%.

Return on Equity
Bryant State Bank U.S. Bank Average
7.97% 8.84%

Bryant State Bank has a Return on Equity of 7.97% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bryant State Bank U.S. Bank Average
12.84% 12.21%

Bryant State Bank has a Capitalization of 12.84% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bryant State Bank Balance Sheet Analysis

As of December 31, 2017, Bryant State Bank had assets of $35,352,000, loans of $22,664,000, and deposits of $28,761,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.03 billion
Total deposits $0.03 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.03 billion
      % insured (estimated) 61.03%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.03 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bryant State Bank

Branches and Savings

Is Bryant State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6064.

Why does Bryant State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bryant State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bryant State Bank a commercial bank?


Where are Bryant State Bank locations?

See branch locations nearby.

Is Bryant State Bank open on Saturdays?

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Are Bryant State Bank ATMs Open 24/7?

Do Bryant State Bank ATMs accept cash deposits?

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Do Bryant State Bank branches have notaries?

Will Bryant State Bank notarize my document?

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Will the Bryant State Bank branch print checks?

Do Bryant State Bank checks expire?

Does Bryant State Bank require US citizenship to open account?

Can Bryant State Bank close my account?

Does Bryant State Bank Report to credit bureaus?

Does Bryant State Bank Use Equifax?

What is Bryant State Bank's ACH Routing Number?

What is Bryant State Bank's SWIFT code?


Does Bryant State Bank offer mortgages?

Compare mortgage rates here.

Does Bryant State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bryant State Bank offer personal loans?

Compare personal loan rates here.

Does Bryant State Bank offer student loans?

Will Bryant State Bank cash a check?

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Does Bryant State Bank cash savings bonds?

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Background on The Bank

Who owns Bryant State Bank?

How long has Bryant State Bank been around?

Can Bryant State Bank transfer to other banks?

Does Bryant State Bank have quick pay?

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