Side-by-side · Q2 2026 data
The First National Bank of Frederick vs Andes State Bank
Bank
The First National Bank of Frederick
Frederick, South Dakota · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Frederick | Andes State Bank |
|---|---|---|
| TellerScore | 78 | 88 (stronger) |
| Capital cushion | 77 | 83 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 32 | 79 (stronger) |
| Funding & liquidity | 89 (stronger) | 84 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 60th | 86th |
| Total assets | $28.8M | $28.2M |
| Deposits / shares | $25.5M | $24.2M |
| Capital ratio | 12.71% | 13.32% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 0.29% | 1.47% (stronger) |
| Loans ÷ deposits | 16.2% (stronger) | 44.8% |
| Uninsured deposits | 25.3% (stronger) | 29.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Andes State Bank has the higher TellerScore (88 vs 78). On the 6 directional measures above (where higher or lower is clearly better), The First National Bank of Frederick leads on 2 and Andes State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.