Headquartered in Lake Andes, South Dakota, Andes State Bank is a state-chartered bank with $28.2M in total assets and $24.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1962.
Based on its Q2 2026 filing, Andes State Bank scores 88/100, which we describe as very strong. That is higher than 86% of 546 banks with under $100 million in assets. Among 56 banks headquartered in South Dakota, it ranks 7th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (79/100; 1.47%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (85 → 88), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 89 |
| Q4 2024 | 86 |
| Q1 2025 | 88 |
| Q2 2025 | 85 |
| Q3 2025 | 90 |
| Q4 2025 | 78 |
| Q1 2026 | 75 |
| Q2 2026 | 88 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.22% |
| Q3 2024 | 13.63% |
| Q4 2024 | 13.19% |
| Q1 2025 | 13.96% |
| Q2 2025 | 12.43% |
| Q3 2025 | 14.31% |
| Q4 2025 | 13.42% |
| Q1 2026 | 14.30% |
| Q2 2026 | 13.32% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.95% |
| Q1 2026 | 1.49% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.54% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.15% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $28.2M | 13.32% | 0.00% | 1.47% | 44.8% |
| Q1 2026 | 75 | $25.6M | 14.30% | 1.49% | 1.15% | 46.4% |
| Q4 2025 | 78 | $27.9M | 13.42% | 0.95% | 1.37% | 44.5% |
| Q3 2025 | 90 | $25.0M | 14.31% | 0.00% | 1.35% | 50.1% |
| Q2 2025 | 85 | $27.2M | 12.43% | 0.00% | 1.50% | 39.9% |
| Q1 2025 | 88 | $26.1M | 13.96% | 0.00% | 1.23% | 40.5% |
| Q4 2024 | 86 | $25.4M | 13.19% | 0.00% | 1.39% | 42.7% |
| Q3 2024 | 89 | $24.9M | 13.63% | 0.00% | 1.59% | 42.1% |
| Q2 2024 | 81 | $26.2M | 11.22% | 0.00% | 1.54% | 37.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of FrederickBank Frederick, SD | 78 out of 100, Strong | $28.8M | 12.7% | 0.00% | vs |
| The Farmers and Merchants State BankBank Scotland, SD | 83 out of 100, Strong | $36.0M | 11.9% | 0.08% | vs |
| The Farmers State Bank of TurtonBank Turton, SD | 53 out of 100, Below average | $41.2M | 10.9% | 2.20% | vs |
| Richland State BankBank Bruce, SD | 90 out of 100, Very strong | $49.6M | 12.3% | 0.15% | vs |
| Bryant State BankBank Bryant, SD | 80 out of 100, Strong | $52.9M | 11.6% | 0.40% | vs |
| Sunrise Bank DakotaBank Onida, SD | 83 out of 100, Strong | $57.5M | 13.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Andes State Bank?
Yes. Andes State Bank is an FDIC-insured institution (FDIC certificate #18483). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.2% of deposits ($7.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.42% (benchmark: 10%).
1 location
Branches
Andes State Bank lists 1 office in 1 city. Most locations:
- Lake Andes, SD (1)
Identity & history
Profile
- Legal name
- Andes State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18483
- RSSD ID
- 410159
- Primary regulator
- FDIC
- Holding company
- Randall Bancshares Inc
- Established
- February 5, 1962
- Headquarters
- 213 Main St, Lake Andes, SD 57356
- Website
- www.andesstatebank.com
- Employees
- 4
Quick answers
Andes State Bank: common questions
Is Andes State Bank FDIC insured?
Yes. Andes State Bank is an FDIC-insured institution (FDIC certificate #18483). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Andes State Bank's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Andes State Bank ever failed?
There is no failure record for FDIC certificate #18483 in the FDIC failed bank list.
How many branches does Andes State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lake Andes
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Fidelity BankBank Burke, SD | 75 out of 100, Strong | $717.0M | 9.4% | 0.39% | vs |
| Nebraska BankBank Dodge, NE | 73 out of 100, Strong | $551.6M | 11.4% | 0.43% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| The Tri-County BankBank Stuart, NE | 72 out of 100, Strong | $299.3M | 8.4% | 0.01% | vs |
| Commercial State Bank, of WagnerBank Wagner, SD | 66 out of 100, Moderate | $260.4M | 11.8% | 2.29% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |