Andes State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Andes State Bank of Lake Andes, SD against its peer group of 578 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.66% | 0.85% | +0.81% | 73rd above |
| ROAE | 12.79% | 5.23% | +7.56% | 70th above |
| Net Interest Margin | 4.71% | 3.94% | +0.77% | 80th top |
| Efficiency Ratio | 53.12% | 74.96% | -21.84% | 83rd top |
| PPNR / Avg Assets | 2.11% | — | — | 82nd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.32% | 5.42% | -0.10% | 54th above |
| Cost of Funds | 0.62% | 1.69% | -1.07% | 93rd top |
| Net Interest Spread | 4.34% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans | -0.04% | 0.11% | -0.15% | 89th top |
| ACL / Total Loans | 2.25% | — | — | 87th top |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.17% | 25.12% | +4.05% | 65th above |
| Tier 1 Ratio | 29.17% | 25.12% | +4.05% | 65th above |
| Total Capital Ratio | 30.42% | — | — | 65th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.32% | 14.13% | -0.81% | 52nd above |
| Equity / Assets | 13.84% | 13.07% | +0.77% | 60th above |
| TCE / Tangible Assets | 13.84% | — | — | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.83% | 68.58% | -22.75% | 76th top |
| Core Deposit Ratio | 81.04% | 88.79% | -7.75% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.77% | — | — | 53rd above |
| Loan Growth (Y/Y) | 15.38% | — | — | 86th top |
| Deposit Growth (Y/Y) | 2.86% | — | — | 53rd above |
See Andes State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Andes State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Andes State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Andes State Bank peer analysis.