Andes State Bank

213 Main Street
Lake Andes, SD 57356


General Bank Information

FDIC Insured Yes
FDIC Certificate # 18483
Date Established 1962
Assets $0.03 billion
Loans $0.01 billion
Deposits $0.02 billion
Capital $0.00 billion

Andes State Bank is an FDIC insured institution located in Lake Andes, SD. It was founded in 1962 and has approximately $0.03 billion in assets.

For a more detailed analysis of Andes State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Andes State Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in South Dakota, Andes State Bank has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.12
Credit Card Loans 0.00
Consumer Auto Loans 5.75
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 17.42
Commercial and Industrial Loans 10.11
Farm Loans 20.61

Savings Rates

Your Current Location: Virginia, VA 20146

6 Mo CD 10K
0.50% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.95% $1 - Learn MoreShow Less
MM 10K
0.16% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Andes State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Andes State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Andes State Bank U.S. Bank Average
0.7% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Andes State Bank had $19,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $2,593,000 in equity and $121,000 in loans loss reserves. That gives it a Texas Ratio of 0.7%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Andes State Bank U.S. Bank Average
9.23% 8.39%

Andes State Bank has a Return on Equity of 9.23% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Andes State Bank U.S. Bank Average
9.71% 11.94%

Andes State Bank has a Capitalization of 9.71% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Andes State Bank Balance Sheet Analysis

As of March 31, 2017, Andes State Bank had assets of $26,699,000, loans of $11,167,000, and deposits of $24,024,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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