Andover State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Andover State Bank of Andover, KS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.34% | -0.25% | 39th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.63% | 13.32% | -0.69% | 52nd above |
| Net Interest Margin | 3.87% | 3.93% | -0.06% | 47th below |
| Efficiency Ratio | 63.20% | 61.13% | +2.07% | 44th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 2.24% | 1.88% | +0.36% | 24th bottom |
| Net Interest Spread | 3.37% | 3.32% | +0.05% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.97% | 0.94% | +0.03% | 29th below |
| NPA / Total Assets | 2.04% | 0.70% | +1.34% | 7th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) | 125.11% | 1546.47% | -1421.36% | 34th below |
| Texas Ratio | 21.15% | 7.33% | +13.82% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.30% | 19.49% | -9.19% | 4th bottom |
| Tier 1 Ratio | 10.55% | 19.52% | -8.97% | 5th bottom |
| Total Capital Ratio | 11.80% | 20.61% | -8.81% | 7th bottom |
| Leverage Ratio | 8.95% | 12.14% | -3.19% | 12th bottom |
| Equity / Assets | 8.66% | 11.37% | -2.71% | 22nd bottom |
| TCE / Tangible Assets | 8.45% | 11.08% | -2.63% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.11% | 80.66% | +10.45% | 26th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.75% | 86.85% | +0.90% | 42nd below |
| Wholesale Funding Ratio | 1.08% | 5.04% | -3.96% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.62% | 6.84% | +2.78% | 81st top |
| Loan Growth (Y/Y) | 3.42% | 7.92% | -4.50% | 39th below |
| Deposit Growth (Y/Y) | 10.95% | 6.29% | +4.66% | 85th top |
See Andover State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Andover State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Andover State Bank profile, how to read a UBPR, or how this data updates.