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Andes State Bank

Lake Andes, SD · Cert 18483 · Randall Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

90

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Andes State Bank

Lake Andes, SD · Cert 18483 · Randall Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$28.2MAssets
$11.1MLoans
$24.2MDeposits
$3.9MEquity
Loan mix
37%RE $2.9M43%C&I $3.4M20%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $16.8M31%Noninterest $7.4MQ2 2025Q2 2026

NIM

4.16%Q2 ’244.25%Q2 ’254.52%Q2 ’26+2%+8%

Non-interest income vs. expense

2.10%Q2 ’242.13%Q2 ’252.41%Q2 ’26+4%+13%

Executive Summary

  • Earnings: ROA of 1.47%, down 3 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 13.32%, up 89 bps from a year ago.
  • Funding: loans stand at 45.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+30 bps YoY

Efficiency Ratio (YTD, annualized)

57.40%+224 bps YoY

Tier 1 Leverage Ratio

13.32%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.35%1.37%1.15%1.47%-3 bps
Return on Equity11.40%10.01%10.16%8.18%10.49%-91 bps
Net Interest Margin3.65%4.18%3.90%4.01%3.96%+30 bps
Efficiency Ratio55.16%55.76%54.78%62.15%57.40%+224 bps
Non-Interest Burden1.92%2.21%2.01%2.38%2.17%+24 bps
Growth
Asset Growth (YoY)3.73%0.37%9.68%-2.16%3.77%+4 bps
Loan Growth (YoY)8.12%17.70%13.68%10.06%15.38%+726 bps
Deposit Growth (YoY)2.57%-1.19%9.18%-4.16%2.86%+28 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.95%1.49%0.00%0 bps
Net Charge-Offs / Loans0.04%0.07%0.06%0.00%-0.02%-6 bps
Allowance / Loans2.26%2.28%2.27%2.42%2.25%-1 bps
Allowance Coverage of NPLsn/an/a2.4x1.6xn/an/a
Capital
Tier 1 Leverage Ratio12.43%14.31%13.42%14.30%13.32%+89 bps
Total Risk-Based Capital31.27%30.97%29.89%32.43%30.42%-84 bps
Equity / Assets13.13%14.61%13.41%14.83%13.84%+71 bps
Liquidity & Funding
Loans / Deposits40.86%51.32%45.51%47.59%45.83%+497 bps
Liquid Assets / Assets29.90%33.51%29.12%37.41%37.66%+776 bps
CRE / Total Capitaln/a29.42%26.59%25.23%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Andes State Bank

Lake Andes, SD · Cert 18483 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Randall Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$28.2MAssets
$11.1MLoans
$24.2MDeposits
$3.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: return on equity trails 52% of banks under $1B in assets operating in a single state (rank 385 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.42%

Rank 202 of 746

Net Interest Margin

3.96%

Rank 266 of 746

Efficiency Ratio

57.40%

Rank 225 of 746

Equity / Assets

13.84%

Rank 149 of 746

Non-interest income vs. expense

$72K$714KINCOMEEXPENSE
Unfavorable gap of $642K · efficiency ratio beats 70% of banks under $1B in assets operating in a single state
Bank 57.40%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.42%0.72%1.06%1.45%Beats 73%202 / 746
Return on Equity10.25%6.74%10.51%13.63%Beats 48%385 / 746
Net Interest Margin3.96%3.17%3.68%4.16%Beats 64%266 / 746
Efficiency Ratio57.40%55.74%64.58%75.47%Beats 70%225 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio29.17%11.55%13.75%17.60%Beats 95%41 / 746
Total Risk-Based Capital Ratio30.42%11.71%14.33%18.43%Beats 94%42 / 746
Equity / Assets13.84%8.90%10.51%13.06%Beats 80%149 / 746
Liquidity & Funding
Loans / Deposits45.83%61.31%78.27%90.78%9th pctl680 / 746
Loans / Assets39.33%53.60%66.97%76.08%9th pctl681 / 746
Brokered Deposits / Depositsn/aNot reported for this institution