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Andes State Bank

under $100M Specialty: Agricultural SD FDIC cert 18483

Designations: ✓ Community bank

Lake Andes, SD

537 banks in the under $100M peer group nationally 15 in SD
View under $100M leaderboard (SD) →

Andes State Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.30% above tier average
  • + Net Interest Margin 0.62% above tier average
  • + Efficiency Ratio 25.48% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.17% above tier average
Get updates when Andes State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $25.6M
-2.2% YoY -8.3% QoQ
-$36.7M $62.3M
-0.5% YoY
$68.7B
+9.0% YoY
$6.2B
+9.0% YoY
Bottom 8.8% in tier
Total Loans ? $10.1M
+9.9% YoY -5.8% QoQ
-$24.2M $34.3M
-1.5% YoY
$30.8B
+10.3% YoY
$3.2B
+10.7% YoY
Bottom 10.8% in tier
Total Deposits ? $21.7M
-4.2% YoY -9.8% QoQ
-$30.2M $51.8M
-0.6% YoY
$54.8B
+8.5% YoY
$4.8B
+8.0% YoY
Bottom 11.5% in tier
Return on Assets ? 1.15%
-6.0% YoY -16.0% QoQ
+0.30% 0.86%
-3.6% YoY
1.41%
+1.8% YoY
1.24%
+13.1% YoY
60%
Net Interest Margin ? 4.48%
+4.2% YoY -2.7% QoQ
+0.62% 3.87%
+2.7% YoY
4.19%
+0.4% YoY
3.89%
+5.7% YoY
76%
Efficiency Ratio ? 62.15%
+3.6% YoY +13.5% QoQ
-25.48% 87.63%
+2.3% YoY
64.00%
-0.6% YoY
66.84%
-3.8% YoY
70%
Delinquency Rate ? 1.53%
+57.2% QoQ
+0.17% 1.36%
+33.7% YoY
0.59%
+45.1% YoY
0.95%
+18.8% YoY
26%
Loan-to-Deposit Ratio ? 46.45%
+14.6% YoY +4.4% QoQ
-17.66% 64.11%
-0.9% YoY
71.70%
+0.3% YoY
76.69%
+0.9% YoY
73%
Non-Interest-Bearing Deposit Share ? 22.88%
-5.2% YoY +10.7% QoQ
-0.91% 23.79%
+0.5% YoY
23.74%
-0.7% YoY
22.01%
-1.1% YoY
49%
Nonperforming Asset Ratio ? 0.60%
+61.4% QoQ
-0.17% 0.77%
+28.7% YoY
0.41%
+39.3% YoY
0.66%
+19.3% YoY
35%
Tier 1 Capital Ratio ? 31.17%
+3.6% YoY +8.9% QoQ
+4.40% 26.77%
+2.0% YoY
15.79%
+0.8% YoY
17.06%
+0.8% YoY
85%
Non-Interest Income / Assets ? 0.07%
+94.2% YoY -73.4% QoQ
-0.60% 0.67%
+1.6% YoY
0.27%
+0.0% YoY
0.32%
+4.0% YoY
58%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 537 peers in under $100M

Top Strengths (2 metrics)

82
Tier 1 Capital Ratio
capital
Value: 31.17%
Peer Median: 26.77%
#82 of 537 Top 15.1% in under $100M
129
Net Interest Margin
profitability
Value: 4.48%
Peer Median: 3.87%
#129 of 537 Top 23.8% in under $100M

Top Weaknesses (3 metrics)

491
Total Assets
size
Value: $25.58M
Peer Median: $62.28M
#491 of 537 Bottom 8.8% in under $100M
480
Total Loans
size
Value: $10.06M
Peer Median: $34.29M
#480 of 537 Bottom 10.8% in under $100M
476
Total Deposits
size
Value: $21.66M
Peer Median: $51.83M
#476 of 537 Bottom 11.5% in under $100M
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