ANDES STATE BANK

LAKE ANDES, SD | Micro | Est. Feb. 5, 1962, midnight | FDIC #18483 | RSSD #410159 | FDIC
Latest Report: 2025-12-31

ANDES STATE BANK is amn micro FDIC-insured commercial bank headquartered in LAKE ANDES, SD, established in Feb. 5, 1962, midnight. As of 2025-12-31, the bank reported total assets of $28M and total deposits of $24M. Profitability stands at 1.48% ROA and 10.61% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 28.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 2.23%. FDIC Certificate #18483.

Assets

$28M

Deposits

$24M

Loans

$11M

Equity

$4M

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 10.61%
Net Interest Margin (NIM) 4.72%
Yield on Assets 5.41%
Cost of Funds 0.88%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.06%
Texas Ratio 2.23%
NPA Ratio 0.32%
ACL / Loans 2.27%

Capital & Liquidity

CET1 Ratio 28.63%
Tier 1 Capital 28.63%
Total Capital Ratio 29.89%
Leverage Ratio 13.42%
Loan-to-Deposit 45.51%

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