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Andes State Bank
Lake Andes, SD · FDIC Certificate #18483 · Chartered 02/0
Total assets
$28.20M
Total deposits
$24.20M
Total equity
$3.90M
Net loans
$10.84M
Branches (offices)
1
Net income (YTD)
$200.00K
Rank: #4,155 of 4,213 U.S. banks by assets · #56 of 56 in South Dakota. Assets changed 3.8% and deposits 2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 10.49% |
| Net interest margin (YTD) | 4.82% |
| Equity to assets | 13.84% |
| Tier 1 leverage ratio | 13.32% |
| Uninsured deposits (share of deposits) | 29.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 44.8% |
| Real estate loans (share of loans) | 35.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.85M | 35.5% | |
| Commercial & industrial | $3.31M | 30.6% | |
| Consumer / individual | $1.41M | 13.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $2.39M | 22.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $26.86M | $24.25M | $76.00K | $2.61M |
| Jun 2023 | $27.14M | $24.28M | $163.00K | $2.80M |
| Jun 2024 | $26.19M | $22.94M | $210.00K | $3.17M |
| Jun 2025 | $27.17M | $23.53M | $197.00K | $3.57M |
| Jun 2026 | $28.20M | $24.20M | $200.00K | $3.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $24.20M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $24.20M.
Similar-sized banks
State Bank Of Easton ($28.37M) · The Liberty Savings Association, Fsa ($28.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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