BlastPoint's Banking Scorecard
Andes State Bank
Micro
Specialty: Agricultural
SD
FDIC cert 18483
Designations: ✓ Community bank
Lake Andes, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Andes State Bank shows strong momentum with 2 strengths and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.05% below tier
- + Tier 1 Capital Ratio 19.78% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.9M
+9.7% YoY
+11.6% QoQ
|
-$189.6M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$10.7M
+13.6% YoY
+0.3% QoQ
|
-$128.5M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$24.0M
+9.2% YoY
+13.1% QoQ
|
-$159.6M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.37%
-1.6% YoY
+1.4% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
4.61%
+6.8% YoY
+0.1% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
54.78%
-4.1% YoY
-1.8% QoQ
|
-12.95% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? | 0.97% | +0.33% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
44.48%
+4.1% YoY
-11.3% QoQ
|
-30.05% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.67%
-5.5% YoY
-12.4% QoQ
|
-1.73% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? | 0.37% | -0.08% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
28.63%
+9.9% YoY
-3.6% QoQ
|
+19.78% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.28%
-10.0% YoY
+34.4% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.48%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
28.63%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Tier 1 Capital Ratio
Current: 28.63% · Tier avg: 8.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.48% · Tier avg: 74.53%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
82
82th pctile
Efficiency Ratio
Current: 54.78% · Tier avg: 67.73%
69
69th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.67% · Tier avg: 22.39%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
29
29th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.64%
4
4th pctile
Total Deposits
Current: $24.0M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $10.7M · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $27.9M · Tier avg: $217.5M
Top Weaknesses
2
2th pctile
Total Assets
Current: $27.9M · Tier avg: $217.5M
3
3th pctile
Total Loans
Current: $10.7M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $24.0M · Tier avg: $183.7M
29
29th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.64%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.67% · Tier avg: 22.39%
69
69th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
82
82th pctile
Efficiency Ratio
Current: 54.78% · Tier avg: 67.73%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.48% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.63% · Tier avg: 8.85%