Andes State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Total risk-based capital ratio: 2.00 percentage points lower than in Q1 2026, at 30.42%. On CET1 ratio, Andes State Bank ranks 2nd highest among the 36 banks headquartered in South Dakota, at 29.17% (Q2 2026). The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. Andes State Bank sits 9.20 points higher, at 29.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.17% |
| Tier 1 risk-based capital ratio | 29.17% |
| Total risk-based capital ratio | 30.42% |
| Tier 1 leverage ratio | 13.32% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.9M |
| Tier 1 capital | $3.9M |
| Total risk-based capital | $4.1M |
| Total equity capital | $3.9M |
| Risk-weighted assets | $13.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.84% |
| Tangible equity to tangible assets | 13.84% |
| Equity capital to average assets | 13.18% |
| Internal capital growth rate | 11.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $240K |
| Common stock surplus | $1.5M |
| Retained earnings | $2.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$43K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.51% | — |
| Q4 2023 | — | — | — | 11.36% | — |
| Q1 2024 | — | — | — | 11.66% | — |
| Q2 2024 | 25.61% | 25.61% | 26.86% | 11.22% | $12.9M |
| Q3 2024 | — | — | — | 13.63% | — |
| Q4 2024 | 26.04% | 26.04% | 27.29% | 13.19% | $13.2M |
| Q1 2025 | 30.09% | 30.09% | 31.34% | 13.96% | $11.7M |
| Q2 2025 | 30.01% | 30.01% | 31.27% | 12.43% | $12.1M |
| Q3 2025 | 29.71% | 29.71% | 30.97% | 14.31% | $12.4M |
| Q4 2025 | 28.63% | 28.63% | 29.89% | 13.42% | $13.1M |
| Q1 2026 | 31.17% | 31.17% | 32.43% | 14.30% | $12.3M |
| Q2 2026 | 29.17% | 29.17% | 30.42% | 13.32% | $13.5M |
Andes State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Andes State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Andes State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18483) · FFIEC NIC profile (RSSD 410159)