Andes State Bank
Lake Andes, SD
IDRSSD: 410159
Total Assets
$24.99M
Latest filing
Total Deposits
$21.24M
Latest filing
Net Interest Margin
4.68%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Andes State Bank
213 Main St
Lake Andes, SD 57356
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/05/1962FDIC Certificate 12378
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Andes State Bank (Main) | 213 Main St | Lake Andes, SD | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/05/1962 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57356 |
| State and County Number | 46023 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 4 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 02/05/1962 |
| Primary Insurance Agency | DIF |
| Website | www.andesstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 18483 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $24.99M |
| Total Deposits | $21.24M |
| Total Liabilities | $21.34M |
| Total Equity Capital | $3.65M |
| Net Income | $66.00k |
| Net Loans and Leases | $10.65M |
| Assets Per Employee ($Millions) | $8.33M |
| Bank Premises and Fixed Assets | $131.00k |
| Cash and Balances due from Depository Institutions | $10.30M |
| Deposits Held in Domestic Offices | $21.24M |
Key Performance Ratios
| Return on Assets (ROA) | 1.01% |
| Return on Equity (ROE) | 7.32% |
| Net Interest Margin | 4.68% |
| Efficiency Ratio | 56.9% |
| Tier 1 Risk-Based Capital Ratio | 29.714% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.57% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.612% |
| Earning Assets to total Assets | 90.6% |
Income and Expense
| Total Interest Income | $319.00k |
| Total Noninterest Income | $22.00k |
| Total Interest Expense | $44.00k |
| Total Noninterest Expense | $169.00k |
| Net Interest Income | $275.00k |
| Pre-tax Net Operating Income | $91.00k |
| Provision for Credit Losses | $37.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.73M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $93.00k |
| Total Liabilities and Capital | $24.99M |
Securities
| Securities | $1.89M |
| Available-for-sale debt securities | $1.89M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Andes State Bank?
$24.99M as of the latest filing.
How much are Andes State Bank's total deposits?
$21.24M in total deposits.
Where is Andes State Bank located?
Lake Andes, SD.
What is the Net Interest Margin?
4.68%.
How many domestic offices does it operate?
1.
When was it established?
02/05/1962.
What is the Return on Assets (ROA)?
1.01%.
How much are total loans and leases?
$10.65M (latest filing).
What is the total interest income (latest filing)?
$319.00k.