U S Bank Trust NA Sd vs Andes State Bank
Side-by-side bank health comparison using FDIC financial data
U S Bank Trust NA Sd (A) and Andes State Bank (A) are close on the BankHealth rubric. Asset bases: $158M versus $26M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
U S Bank Trust NA Sd has a stronger Bank Health Score of 100/100 (A) compared to Andes State Bank at 99/100 (A), a difference of 1 points. U S Bank Trust NA Sd holds a Tier 1 capital ratio of 100.5% and an NPL ratio of 0.00%.
| Metric | U S Bank Trust NA Sd | Andes State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 99/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 100.5%* | 25.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 98.5%* | 50.6% |
| Return on Assets Profitability metric (above 1% is strong) | 14.3%* | 1.9% |
| Total Assets | $158M | $26M |
| Total Deposits | $0 | $23M |
| Location | Sioux Falls, South Dakota | Lake Andes, South Dakota |
U S Bank Trust NA Sd has a stronger Bank Health Score of 100/100 (A) compared to Andes State Bank at 99/100 (A), a difference of 1 points. U S Bank Trust NA Sd holds a Tier 1 capital ratio of 100.5% and an NPL ratio of 0.00%.