Richland State Bank vs Andes State Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Richland State Bank has a stronger Bank Health Score of 99/100 (A) compared to Andes State Bank at 99/100 (A), a difference of 0 points. Richland State Bank holds a Tier 1 capital ratio of 26.76% and an NPL ratio of 0.24%.
| Metric | Richland State Bank | Andes State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A) | 99/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 26.8%* | 25.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 58.0%* | 50.6% |
| Return on Assets Profitability metric (above 1% is strong) | 3.5%* | 1.9% |
| Total Assets | $42M | $26M |
| Total Deposits | $38M | $23M |
| Location | Bruce, South Dakota | Lake Andes, South Dakota |
Richland State Bank has a stronger Bank Health Score of 99/100 (A) compared to Andes State Bank at 99/100 (A), a difference of 0 points. Richland State Bank holds a Tier 1 capital ratio of 26.76% and an NPL ratio of 0.24%.