ANDOVER STATE BANK

ANDOVER, KS | Small | Est. Nov. 26, 1916, midnight | FDIC #16410 | RSSD #225054 | FDIC
Latest Report: 2025-12-31

ANDOVER STATE BANK is asn small FDIC-insured commercial bank headquartered in ANDOVER, KS, established in Nov. 26, 1916, midnight. As of 2025-12-31, the bank reported total assets of $230M and total deposits of $207M. Profitability stands at 1.15% ROA and 13.59% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 10.00%. Asset quality metrics show a non-performing loan ratio of 0.90% and a Texas Ratio of 7.95%. FDIC Certificate #16410.

Assets

$230M

Deposits

$207M

Loans

$190M

Equity

$19M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 13.59%
Net Interest Margin (NIM) 4.08%
Yield on Assets 6.30%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.90%
Net Charge-Off Ratio --
Texas Ratio 7.95%
NPA Ratio 0.74%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 10.00%
Tier 1 Capital 10.26%
Total Capital Ratio 11.51%
Leverage Ratio 8.99%
Loan-to-Deposit 91.90%

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