B
Andes State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Andes State Bank
Lake Andes, SD
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Rating B
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 4.40
Profitability Index 5.60
Stability Index 6.40
Company Info Andes State Bank
Lake Andes, SD
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FDIC Number 18483
Phone Number (605) 487-7611
Website www.andesstatebank.com
Asset Quality Andes State Bank
Lake Andes, SD
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1-Year Asset Growth 0.37%
5-Year Asset Growth 2.25%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Andes State Bank
Lake Andes, SD
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Total Assets 24.99M
Total Deposits 21.24M
Capital and Reserves Andes State Bank
Lake Andes, SD
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Capital 3.65M
Leverage Ratio 14.31
Loan Loss Reserves to Loans 2.28%
Risk-Based Capital Ratio 30.97
Liquidity Andes State Bank
Lake Andes, SD
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Hot Money Ratio 22.93%
Liquidity Ratio 56.77%
Profitability Andes State Bank
Lake Andes, SD
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5-Year Return on Average Assets 0.81%
Net Income 263.00K
Net Interest Spread 4.46%
Operating Profit to Average Assets 1.68%
Overhead Efficiency Ratio 55.76%
Return on Assets 1.31%
Return on Equity 10.00%