BlastPoint's Banking Scorecard
Andes State Bank
Designations: ✓ Community bank
Lake Andes, SD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +2.9% year over year ($24.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.47%.
- Efficiency ratio 57.40% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.80% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Andes State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.47% above tier average
- + Net Interest Margin 0.90% above tier average
- + Efficiency Ratio 62.00% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$28.2M
+3.8% YoY
+10.2% QoQ
|
-$34.2M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.3% in tier |
| Total Loans ? |
$10.8M
+15.4% YoY
+7.8% QoQ
|
-$24.1M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.9% in tier |
| Total Deposits ? |
$24.2M
+2.9% YoY
+11.7% QoQ
|
-$27.4M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.0% in tier |
| Return on Assets ? |
1.47%
-2.1% YoY
+27.5% QoQ
|
+0.47% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
4.82%
+6.9% YoY
+7.4% QoQ
|
+0.90% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
57.40%
+4.1% YoY
-7.7% QoQ
|
-62.00% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
44.80%
+12.2% YoY
-3.5% QoQ
|
-29.41% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
30.53%
+40.6% YoY
+33.4% QoQ
|
+7.04% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
29.17%
-2.8% YoY
-6.4% QoQ
|
+2.04% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.13%
+15.6% YoY
+71.9% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
51% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.5%
+8.8pp YoY +7.6pp QoQ |
+5.9pp | 24.6% | 23.5% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
30.6%
-0.5pp YoY -2.8pp QoQ |
+17.2pp | 13.4% | 14.1% | 12.5% | 90% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
5.0%
-1.8pp YoY -1.9pp QoQ |
-30.0pp | 35.0% | 14.9% | 31.3% | 14% |
| Consumer |
13.0%
+0.1pp YoY -2.1pp QoQ |
+5.3pp | 7.7% | 8.5% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
29.2%
-0.8pp YoY -2.0pp QoQ |
-9.5pp | 38.7% | 17.6% | 19.7% | 71% |
| Leverage Ratio |
13.3%
+0.9pp YoY -1.0pp QoQ |
-4.4pp | 17.7% | 11.9% | 12.6% | 56% |
| Total Capital Ratio |
30.4%
-0.8pp YoY -2.0pp QoQ |
-9.2pp | 39.7% | 18.8% | 20.8% | 71% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 6,279 | 482 | 2% |
| Assets per Employee ($) |
$7.0M
+3.8% YoY +10.2% QoQ |
+$861K | $6.2M | $8.1M | $8.8M | 67% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 96.54x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY |
-0.2pp | 0.2% | 0.7% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.5%
-0.9pp YoY +2.3pp QoQ |
+4.1pp | 6.4% | 12.4% | 11.6% | 65% |
| Cost of Funds (YTD) |
0.7%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.7% | 1.7% | 13% |
| Net Income ($, YTD) |
$200,000
+1.5% YoY — QoQ |
-$118K | $317,817 | $418.8M | $40.4M | 37% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.