Astra Bank
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Data as of · sourced from FFIEC call reports. How we update
Astra Bank is an FDIC-insured commercial bank headquartered in Scandia, KS, established in 1939 (FDIC certificate 17636), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $423.3M, down 0.1% from Q2 2025, the 52nd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 13.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17636
- Headquarters
- Scandia, KS
- Established
- 1939
- Total assets, Q2 2026
- $423.3M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 13.11%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 101102344
- Latest call report
- Q2 2026, FFIEC 051 · Astra Bank call report
- Holding company
- ASTRA FINANCIAL GROUP, INC.
- Asset rank in state
- 52nd of 182 in Kansas
Astra Bank, based in Scandia, Kansas, reported $423 million in assets at June 30, 2026. It shrank its loan book 3.2% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $24 million equal 61% of Tier 1 capital, down from 84% a year earlier. Net income for the quarter slipped 11% from a year earlier, to $617,000. Profitability lags: it earns about $0.57 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Astra Bank reported a CET1 capital ratio of 13.11%, a return on assets of 0.57%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.36%. The figures come from its call report filed with the FFIEC.
Astra Bank ranks as the 52nd largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $423.3M, loans rose 0.5% and deposits fell 1.6%. Agricultural production loans made up 27.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.3%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in KS; its Hays office books 27% of its branch deposits. Judged on its Q2 2026 call report, Astra Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 323 4th St, Scandia, KS 66966
- County
- Republic
- 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
- —
- Call Report form
- FFIEC 051
- Established
- October 2, 1939
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $372.0M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $114K
- Average total assets
- $429.6M
- Average total loans
- $217.7M
- Average interest-bearing deposits
- $311.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 27, 1956
- FDIC Cert
- 17636
- Fed RSSD
- 1003455
- Website
- astra.bank →
- Parent Holding Company
- ASTRA FINANCIAL GROUP, INC. (RSSD 1060917)
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
Over the 12 quarters to Q2 2026, Astra Bank's total assets ran between $404.7M (Q3 2023) and $455.1M (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$423.3M total assets against $423.9M; $403.0M total liabilities against $409.9M.
$217.3M net loans and leases against $224.7M; $372.0M total deposits against $373.1M.
$165.8M securities against $160.3M; $9.9M cash and balances due against $6.9M.
$5.0M total interest income against $5.2M; $1.6M total interest expense against $1.7M.
$3.4M net interest income against $3.5M.
$438K total noninterest income against $446K; $3.1M total noninterest expense against $3.2M.
$48K provision for credit losses against $30K.
$617K net income against $697K.
0.57% return on assets against 0.66%; 3.40% net interest margin against 3.55%.
13.11% CET1 capital ratio against 11.24%; 9.27% tier 1 leverage ratio against 8.23%.
Inside the full Astra Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAstra Bank rankings
Its closest position to the top of a national ranking is 1,975 of 4,196, for total assets; its furthest is 3,218 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q2 2026) to 1.59% (Q3 2024) and its net interest margin ran from 3.24% (Q3 2024) to 3.55% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.11% | 0.57% | 0.03% | 0.36% | 3.40% |
| Q1 2026 | 12.35% | 0.60% | 0.01% | 0.06% | 3.44% |
| Q4 2025 | 12.26% | 0.86% | 0.19% | 2.22% | 3.45% |
| Q3 2025 | 11.76% | 0.66% | 0.19% | 2.37% | 3.49% |
| Q2 2025 | 11.24% | 0.66% | 0.06% | 0.99% | 3.55% |
| Q1 2025 | 11.05% | 0.64% | 0.04% | 0.77% | 3.46% |
| Q4 2024 | 10.60% | 0.61% | 0.04% | 0.98% | 3.40% |
| Q3 2024 | 11.49% | 1.59% | 0.05% | 0.65% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Hays Branch | Hays , KS | 67601 | $100.3M |
| Belleville Branch | Belleville , KS | 66935 | $67.2M |
| Abilene Branch | Abilene , KS | 67410 | $57.9M |
| Plainville Branch | Plainville , KS | 67663 | $56.4M |
| Chapman Branch | Chapman , KS | 67431 | $47.1M |
| Astra Bank (main office) | Scandia , KS | 66966 | $34.3M |
| Dodge City Branch | Dodge City , KS | 67801 | $8.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 6, 2017 | Structure Change | Acquired Midwest Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 9, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 9, 2013 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | Structure Change | Acquired Sutton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 5, 2007 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 21, 2002 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 1957 | Structure Change | Acquired Agenda State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 64 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $391K approved, $196K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Astra Bank
What are Astra Bank's total assets?
As of the Q2 2026 filing, Astra Bank reported total assets of $423.3 million in its FFIEC call report.
Where is Astra Bank headquartered?
It is headquartered in Scandia, KS, United States.
When was Astra Bank founded?
It was established in 1939, per the FDIC institution directory.
Is Astra Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Astra Bank?
Astra Bank's primary federal regulator is the FDIC.
What is Astra Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Astra Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Astra Bank's Texas Ratio?
Its Texas Ratio is 0.36% 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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