Andover State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 15.77 percentage points in Q2 2026, from 286.96% to 271.19%. It was the largest change from Q1 2026 among the key lines here. Andover State Bank ranks 37th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 91.11% (Q2 2026). Andover State Bank reported 91.11% on loan-to-deposit ratio for Q2 2026, 10.27 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $189.7M |
| Net loans and leases | $187.4M |
| Loans held for sale | $871K |
| Loans to total assets | 81.71% |
| Loan-to-deposit ratio | 91.11% |
| Net loans to equity capital | 9.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.53% |
| Multifamily (5+ residential) | 4.60% |
| Commercial and industrial | 8.84% |
| Consumer | 0.62% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 271.19% |
| Construction concentration (Tier 1 capital + allowance) | 37.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.40% |
| Interest income on loans | $3.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $169.9M | $166.8M | 48.64% | 8.22% | 1.30% |
| Q4 2023 | $172.4M | $170.9M | 48.13% | 8.02% | 1.00% |
| Q1 2024 | $176.6M | $174.0M | 46.88% | 7.31% | 0.94% |
| Q2 2024 | $184.1M | $181.0M | 45.75% | 6.54% | 0.88% |
| Q3 2024 | $185.8M | $193.9M | 44.04% | 7.57% | 0.74% |
| Q4 2024 | $184.2M | $194.1M | 45.35% | 9.09% | 0.72% |
| Q1 2025 | $184.1M | $187.4M | 46.58% | 8.85% | 0.74% |
| Q2 2025 | $183.4M | $187.7M | 48.07% | 8.71% | 0.68% |
| Q3 2025 | $183.9M | $192.3M | 49.09% | 9.03% | 0.69% |
| Q4 2025 | $190.0M | $206.7M | 49.73% | 8.81% | 0.71% |
| Q1 2026 | $188.4M | $210.0M | 50.66% | 9.24% | 0.60% |
| Q2 2026 | $189.7M | $208.2M | 52.53% | 8.84% | 0.62% |
Andover State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Andover State Bank, freeSource: Call Report Schedule RC-C, 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)