| Metric | Andes State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.0% | +0.8 pts |
| Deposit growth (YoY) | +2.9% | +2.5% | +0.4 pts |
| Loan growth (YoY) | +15.4% | +2.6% | +12.8 pts |
| ROA | 1.47% | 0.99% | +0.5 pts |
| ROE | 10.5% | 8.1% | +2.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.2M | $24.2M | $10.8M | $3.9M | $200K | 1.47% | 4.82% | 0.00% |
| Q1 2026 | $25.6M | $21.7M | $10.1M | $3.8M | $77K | 1.15% | 4.48% | 0.60% |
| Q4 2025 | $27.9M | $24.0M | $10.7M | $3.7M | $361K | 1.37% | 4.61% | 0.37% |
| Q3 2025 | $25.0M | $21.2M | $10.7M | $3.7M | $263K | 1.35% | 4.60% | 0.00% |
| Q2 2025 | $27.2M | $23.5M | $9.4M | $3.6M | $197K | 1.50% | 4.50% | 0.00% |
| Q1 2025 | $26.1M | $22.6M | $9.2M | $3.4M | $79K | 1.23% | 4.30% | 0.00% |
| Q4 2024 | $25.4M | $22.0M | $9.4M | $3.4M | $368K | 1.39% | 4.31% | 0.00% |
| Q3 2024 | $24.9M | $21.5M | $9.1M | $3.3M | $317K | 1.59% | 4.28% | 0.00% |
Loan mix (Q2 2026): real estate $3.8M · commercial $3.3M · consumer $1.4M · securities $1.4M
| Ratio | Andes State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.99% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 8.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 70.8% | 22nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Andes State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Andes State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Andes State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Andes State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Andes State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $23.5M branch deposits. Biggest market: Charles Mix, SD, ranked 6th with 4.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Charles Mix, SD | 1 | $23.5M | 4.87% | 6th |
South Dakota: 96th with 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1