South Dakota Code § 51A-4-10

Property authorized to be purchased to satisfy debts--Limitation on period of retention
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A bank may, by itself or through a subsidiary, acquire, hold and convey property of any kind to satisfy debts previously contracted in good faith and in the ordinary course of business at a purchase price which is no greater than the aggregate of the debt, interest and other costs, provided that such property shall be held subject to the following limitations:
(1) Personal property held by the bank shall be sold within six months or such additional period not exceeding one year as the director may allow;
(2) Real property shall be sold within five years, unless an extension be granted by the director.

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