Andes State Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 7.65 percentage points in Q2 2026, from 22.88% to 30.53%. It was the largest change from Q1 2026 among the key lines here. Andes State Bank has the 1st lowest total deposits of the 56 banks headquartered in South Dakota, at $24.2M as of Q3 2026. Andes State Bank's total deposits of $24.2M is well below the $53.7M median for banks in the < $100M asset tier, a gap of 55% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $24.2M |
| Domestic office deposits | $24.2M |
| Foreign office deposits | — |
| Deposits to total assets | 85.82% |
| Deposits to total liabilities | 99.61% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $7.4M |
| Savings deposits | $2.6M |
| Transaction accounts to domestic deposits | 49.42% |
| Time deposits | $27K |
| Time deposits under $100k | $1.5M |
| Time deposits $100k to $250k | $357K |
| Time deposits over $250k | $4.6M |
| Noninterest-bearing share of deposits | 30.53% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $19.6M |
| Core deposits to total deposits | 81.04% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 0.98% |
| Interest expense on deposits | $41K |
| Loans and leases to core deposits | 56.55% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $22.6M | 75.50% | 0.00% | 0.89% |
| Q4 2023 | $25.7M | 86.50% | 0.00% | 0.79% |
| Q1 2024 | $23.6M | 85.24% | 0.00% | 0.82% |
| Q2 2024 | $22.9M | 84.70% | 0.00% | 0.96% |
| Q3 2024 | $21.5M | 83.61% | 0.00% | 0.97% |
| Q4 2024 | $22.0M | 83.86% | 0.00% | 0.96% |
| Q1 2025 | $22.6M | 80.25% | 0.00% | 0.91% |
| Q2 2025 | $23.5M | 80.91% | 0.00% | 1.08% |
| Q3 2025 | $21.2M | 78.75% | 0.00% | 1.02% |
| Q4 2025 | $24.0M | 81.09% | 0.00% | 0.95% |
| Q1 2026 | $21.7M | 78.94% | 0.00% | 0.94% |
| Q2 2026 | $24.2M | 81.04% | 0.00% | 0.98% |
Andes State Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Andes State Bank, freeSource: Call Report Schedules RC-E and RC-O, 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)