Andover State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 3.1% from Q1 2026 to Q2 2026, ending at $195.1M against $189.2M. It was the largest change among the key lines on this page. On CET1 ratio, Andover State Bank is 5th from the bottom among 85 Kansas banks, 10.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Andover State Bank sits 4.77 points lower, at 10.30% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.30% |
| Tier 1 risk-based capital ratio | 10.55% |
| Total risk-based capital ratio | 11.80% |
| Tier 1 leverage ratio | 8.95% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $20.1M |
| Tier 1 capital | $20.6M |
| Total risk-based capital | $23.0M |
| Total equity capital | $20.1M |
| Risk-weighted assets | $195.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.66% |
| Tangible equity to tangible assets | 8.66% |
| Equity capital to average assets | 8.74% |
| Internal capital growth rate | 8.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $18.1M |
| Preferred stock and surplus | $500K |
| Accumulated other comprehensive income | -$484K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.16% | 9.45% | 10.70% | 8.57% | $171.5M |
| Q4 2023 | 9.03% | 9.31% | 10.56% | 8.67% | $177.5M |
| Q1 2024 | 9.16% | 9.44% | 10.69% | 8.83% | $179.4M |
| Q2 2024 | 9.13% | 9.40% | 10.65% | 8.56% | $183.4M |
| Q3 2024 | 9.27% | 9.55% | 10.80% | 8.30% | $184.4M |
| Q4 2024 | 9.47% | 9.75% | 11.00% | 8.23% | $182.3M |
| Q1 2025 | 9.94% | 10.22% | 11.47% | 8.77% | $180.4M |
| Q2 2025 | 10.17% | 10.45% | 11.70% | 8.91% | $178.6M |
| Q3 2025 | 10.17% | 10.44% | 11.70% | 8.93% | $183.9M |
| Q4 2025 | 10.00% | 10.26% | 11.51% | 8.99% | $190.9M |
| Q1 2026 | 10.41% | 10.67% | 11.92% | 8.75% | $189.2M |
| Q2 2026 | 10.30% | 10.55% | 11.80% | 8.95% | $195.1M |
Andover State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Andover State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Andover State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16410) · FFIEC NIC profile (RSSD 225054)