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
Unfavorable gap of $642K · efficiency ratio beats 70% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.72% | 1.06% | 1.45% | Beats 73% | 202 / 746 | |
| Return on Equity | 10.25% | 6.74% | 10.51% | 13.63% | Beats 48% | 385 / 746 | |
| Net Interest Margin | 3.96% | 3.17% | 3.68% | 4.16% | Beats 64% | 266 / 746 | |
| Efficiency Ratio | 57.40% | 55.74% | 64.58% | 75.47% | Beats 70% | 225 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 29.17% | 11.55% | 13.75% | 17.60% | Beats 95% | 41 / 746 | |
| Total Risk-Based Capital Ratio | 30.42% | 11.71% | 14.33% | 18.43% | Beats 94% | 42 / 746 | |
| Equity / Assets | 13.84% | 8.90% | 10.51% | 13.06% | Beats 80% | 149 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 45.83% | 61.31% | 78.27% | 90.78% | 9th pctl | 680 / 746 | |
| Loans / Assets | 39.33% | 53.60% | 66.97% | 76.08% | 9th pctl | 681 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |