Andover State Bank
Total assets
$232.2M
▲ +9.6% YoY
Deposits
$208.2M
▲ +11.0% YoY
Loans
$187.4M
▲ +3.5% YoY
Offices
2
ANDOVER FINANCIAL CORP
ROA (annualized)
1.07%
peers 1.24%
ROE (annualized)
12.61%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Andover State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.4% | +5.3 pts |
| Deposit growth (YoY) | +10.9% | +4.0% | +7.0 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.1 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
Profile
- Established
- 1916
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- ANDOVER FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 511 N Andover Rd, Andover, KS, 67002
- County
- Butler
- Metro area
- Wichita, KS
- Offices
- 2
- FDIC cert #
- 16410
- RSSD ID
- 225054
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.2M | $208.2M | $187.4M | $20.1M | $1.2M | 1.07% | 3.86% | 1.80% |
| Q1 2026 | $233.7M | $210.0M | $186.1M | $19.7M | $610K | 1.05% | 3.74% | 0.82% |
| Q4 2025 | $229.7M | $206.7M | $187.7M | $19.1M | $2.7M | 1.25% | 3.94% | 1.57% |
| Q3 2025 | $217.3M | $192.3M | $181.6M | $18.7M | $2.1M | 1.29% | 3.97% | 0.00% |
| Q2 2025 | $211.8M | $187.7M | $181.1M | $18.0M | $1.4M | 1.31% | 3.91% | 0.00% |
| Q1 2025 | $208.8M | $187.4M | $181.8M | $17.7M | $654K | 1.24% | 3.79% | 0.00% |
| Q4 2024 | $214.9M | $194.1M | $181.8M | $16.9M | $1.8M | 0.88% | 3.52% | 0.00% |
| Q3 2024 | $217.0M | $193.9M | $183.5M | $17.0M | $1.3M | 0.82% | 3.46% | 0.03% |
Loan mix (Q2 2026): real estate $171.7M · commercial $16.8M · consumer $1.2M · securities $16.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Andover State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 62.9% | 53th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Andover State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Andover State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Andover State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Andover State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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