BanksANDES STATE BANK

ANDES STATE BANK

LAKE ANDES, SDMicroEst. Feb. 5, 1962, midnightFDIC #18483RSSD #410159FDIC
Latest · 2025-12-31

ANDES STATE BANK is an 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%. CET1 capital ratio: 28.63%, well above regulatory minimums. NPL ratio: 0.81% · Texas Ratio: 2.23%. Operates 1 domestic branch.

Assets
$28M
Deposits
$24M
Loans
$11M
Equity
$4M

Profitability

Return on Assets (ROA)1.48%
Return on Equity (ROE)10.61%
Net Interest Margin4.72%
Yield on Assets5.41%
Cost of Funds0.74%

Asset Quality

NPL Ratio0.81%
Net Charge-Off Ratio0.06%
Texas Ratio2.23%
NPA Ratio0.32%
ACL / Loans2.27%

Capital & Liquidity

CET1 Ratio28.63%
Tier 1 Capital28.63%
Total Capital Ratio29.89%
Leverage Ratio13.42%
Loan-to-Deposit45.51%

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