Andover State Bank
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Data as of · sourced from FFIEC call reports. How we update
Andover State Bank is an FDIC-insured commercial bank headquartered in Andover, KS, established in 1916 (FDIC certificate 16410), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $232.2M, up 9.6% from Q2 2025, the 82nd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 10.30% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16410
- Headquarters
- Andover, KS
- Established
- 1916
- Total assets, Q2 2026
- $232.2M
- Assets vs Q2 2025
- +9.6%
- CET1 ratio, Q2 2026
- 10.30%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101112046
- Holding company
- ANDOVER FINANCIAL CORPORATION
- Asset rank in state
- 82nd of 182 in Kansas
Problem loans are rising at Andover State Bank. The Andover, Kansas bank had $232 million in assets at June 30, 2026, up 9.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.67% of loans from 0.00% a year earlier. It holds common equity equal to 10.30% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also carries problem assets equal to 18.6% of the capital and reserves that would absorb them, 7.0 times the median of 2.6% for banks its size.
Net income for the quarter slipped 14% from a year earlier, to $628,000. Over the same year, loans grew 3.4% and deposits grew 11.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Andover State Bank reported a CET1 capital ratio of 10.30%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 18.62%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Andover State Bank is the 82nd largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $232.2M, loans rose 0.7% and deposits fell 0.9%. Owner-occupied commercial real estate loans made up 28.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 28.8%. Its 2 offices in the FDIC Summary of Deposits are in Andover, KS and Wichita, KS; its Andover office books 85% of its branch deposits. Judged on its Q2 2026 call report, Andover State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 511 N Andover Rd, Andover, KS 67002
- County
- Butler
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 26, 1916
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $208.2M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $230.1M
- Average total loans
- $193.1M
- Average interest-bearing deposits
- $176.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 19, 1946
- FDIC Cert
- 16410
- Fed RSSD
- 225054
- SEC CIK
- 1857741 → filed by ANDOVER FINANCIAL CORPORATION
- Website
- www.goasb.com →
- Parent Holding Company
- ANDOVER FINANCIAL CORPORATION (RSSD 1063048)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Andover State Bank's total assets ranged from $188.3M (Q3 2023) to $233.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$232.2M total assets against $211.8M; $212.1M total liabilities against $193.8M.
$187.4M net loans and leases against $181.1M; $208.2M total deposits against $187.7M.
$16.3M securities against $13.4M; $19.4M cash and balances due against $11.1M.
$3.3M total interest income against $3.2M; $1.2M total interest expense against $1.1M.
$2.2M net interest income against $2.0M.
$305K total noninterest income against $254K; $1.6M total noninterest expense against $1.3M.
$87K provision for credit losses against $0.
$628K net income against $730K.
1.09% return on assets against 1.40%; 3.87% net interest margin against 4.04%.
10.30% CET1 capital ratio against 10.17%; 8.95% tier 1 leverage ratio against 8.91%.
Inside the full Andover State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Andover State Bank rankings
Its closest position to the top of a national ranking is 205 of 3,640, for Texas Ratio; its furthest is 2,065 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q3 2024) to 1.40% (Q2 2025) and its net interest margin ran from 3.37% (Q3 2024) to 4.04% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.30% | 1.09% | 0.67% | 18.62% | 3.87% |
| Q1 2026 | 10.41% | 1.06% | 1.02% | 8.73% | 3.69% |
| Q4 2025 | 10.00% | 1.18% | 1.90% | 16.86% | 4.01% |
| Q3 2025 | 10.17% | 1.25% | 0.00% | 0.00% | 4.04% |
| Q2 2025 | 10.17% | 1.40% | 0.00% | 0.00% | 4.04% |
| Q1 2025 | 9.94% | 1.24% | 0.00% | 0.00% | 3.75% |
| Q4 2024 | 9.47% | 1.05% | 0.00% | 0.00% | 3.55% |
| Q3 2024 | 9.27% | 0.82% | 0.03% | 0.32% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Andover State Bank (main office) | Andover , KS | 67002 | $177.7M |
| Andover State Bank at Waterfront | Wichita , KS | 67206 | $30.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 100 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 81 applications, 64 loans originated, $23.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $340K approved, $170K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Andover State Bank
What are Andover State Bank's total assets?
As of the Q2 2026 filing, Andover State Bank reported total assets of $232.2 million in its FFIEC call report.
Where is Andover State Bank headquartered?
It is headquartered in Andover, KS, United States.
When was Andover State Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Andover State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Andover State Bank?
Andover State Bank's primary federal regulator is the FDIC.
What is Andover State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does Andover State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Andover State Bank's Texas Ratio?
Its Texas Ratio is 18.62% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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