$234M
+11.9%y/y
Percentile by value74th percentileby value
FDIC
ASSETAS
Andover State Bank
Andover, KansasFDIC Cert #16410
STATEEstablished 19162 branches
Holding company: ANDOVER FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportAndover State Bank reported $234M in total assets. Deposits grew 12.09% over the prior year.
Return on assets was 1.05%, compared with an asset-peer median of 1.18%. The leverage ratio was 8.75%.
- Why is Total Assets above asset peers?
- Why is CRE Concentration to Capital above asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$210M
+12.1%y/y
Percentile by value79th percentileby value
FDIC
DEP$186M
+2.4%y/y
Percentile by value89th percentileby value
FDIC
LNLSNET1.05%
−18 bpsy/y
Peer standing44th percentile
FDIC
NETINC + ROA65.12%
+508 bpsy/y
Peer standing48th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.75%
−1 bpsy/y
Peer standing9th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $148M | $124M |
| Q3 2021 | $150M | $125M |
| Q4 2021 | $150M | $126M |
| Q1 2022 | $154M | $130M |
| Q2 2022 | $159M | $129M |
| Q3 2022 | $164M | $140M |
| Q4 2022 | $173M | $152M |
| Q1 2023 | $194M | $173M |
| Q2 2023 | $193M | $172M |
| Q3 2023 | $188M | $167M |
| Q4 2023 | $193M | $171M |
| Q1 2024 | $198M | $174M |
| Q2 2024 | $210M | $181M |
| Q3 2024 | $217M | $194M |
| Q4 2024 | $215M | $194M |
| Q1 2025 | $209M | $187M |
| Q2 2025 | $212M | $188M |
| Q3 2025 | $217M | $192M |
| Q4 2025 | $230M | $207M |
| Q1 2026 | $234M | $210M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $52.9M |
| Investor CRE | $42.5M |
| Multifamily | $11.7M |
| Construction | $10.1M |
| 1–4 family | $52M |
| C&I | $17.4M |
| Agriculture | $599K |
| Other | $1.13M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.05%44th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE12.58%60th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.74%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.12%48th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+12.09%86th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+2.40%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.02%28th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ8.75%9th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.64%31st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC285%96th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.05%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.70%Median 1.39%90th 2.13%Observations 188
ROE
FDIC
NETINC + ROE12.58%46th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.89%Median 12.98%90th 21.21%Observations 188
NIM
FDIC
NIM + NIMY3.74%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.18%Median 3.86%90th 4.76%Observations 188
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.12%34th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.76%Median 61.16%90th 78.57%Observations 188
Deposits YoY
FDIC
DEP+12.09%81st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.43%Median +5.17%90th +16.33%Observations 188
Loans YoY
FDIC
LNLSNET+2.40%30th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.66%Median +6.07%90th +21.96%Observations 187
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.02%26th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.30%90th 2.12%Observations 187
Leverage
FDIC
RBC1AAJ8.75%11th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.68%Median 10.85%90th 17.67%Observations 188
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.64%28th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.55%Median 2.29%90th 3.27%Observations 188
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC285%93rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 3%Median 83%90th 246%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.05%28th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.72%Median 1.36%90th 2.11%Observations 70
ROE
FDIC
NETINC + ROE12.58%48th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.13%Median 12.75%90th 20.50%Observations 70
NIM
FDIC
NIM + NIMY3.74%45th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.21%Median 3.84%90th 4.69%Observations 70
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.12%36th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.06%Median 60.15%90th 78.34%Observations 70
Deposits YoY
FDIC
DEP+12.09%77th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.68%Median +4.70%90th +16.49%Observations 70
Loans YoY
FDIC
LNLSNET+2.40%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.30%Median +5.72%90th +19.93%Observations 70
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.02%17th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.13%90th 1.64%Observations 70
Leverage
FDIC
RBC1AAJ8.75%13th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.54%Median 10.85%90th 17.17%Observations 70
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.64%30th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.75%Median 2.33%90th 3.01%Observations 70
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC285%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 8%Median 72%90th 204%Observations 29
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Andover, KS
FDIC
OFFDOMOpen the Kansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data