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Andover State Bank

$100M-$1B Specialty: Commercial KS FDIC cert 16410

Andover, KS

2 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +11.0% year over year ($208.2M on the books).
  • Delinquency rate 0.68%.
  • Return on assets 1.07%.
  • Efficiency ratio 64.12% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Andover State Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.36% below tier average
  • + Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 13.0% in tier
  • - Cost Spiral: Bottom 28.3% in tier
  • - Margin Compression: Bottom 43.0% in tier
  • - Credit Risk Growth: Bottom 48.0% in tier
  • - Nonperforming Asset Ratio 1.13% above tier average
  • - Net Interest Margin 0.13% below tier average
Get updates when Andover State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $232.2M
+9.6% YoY -0.6% QoQ
-$154.4M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $187.4M
+3.5% YoY +0.7% QoQ
-$71.0M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $208.2M
+11.0% YoY -0.9% QoQ
-$118.5M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 1.07%
-18.3% YoY +1.4% QoQ
-0.25% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 3.86%
-1.4% YoY +3.0% QoQ
-0.13% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 64.12%
+8.5% YoY -1.5% QoQ
-0.36% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 0.68%
-33.7% QoQ
-0.24% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 90.00%
-6.7% YoY +1.5% QoQ
+12.05% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 14.57%
-0.9% YoY +2.9% QoQ
-7.46% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 1.80%
+119.5% QoQ
+1.13% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Bottom 9.1% in tier
Tier 1 Capital Ratio ? 10.55%
+1.0% YoY -1.1% QoQ
-5.36% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.22%
-3.2% YoY +143.4% QoQ
-0.34% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
57%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 14.6%
-0.1pp YoY
+0.4pp QoQ
 -7.6pp 22.1% 22.3% 22.2% 22%
Brokered Deposits 2.3%
-1.3pp YoY
-2.0pp QoQ
 -5.5pp 7.9% 8.7% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 9.0%
+0.1pp YoY
-0.4pp QoQ
 -2.6pp 11.6% 12.6% 12.5% 46%
CRE 62.4%
+1.6pp YoY
-0.6pp QoQ
 +22.9pp 39.5% 28.8% 41.4% 87%
1-4 Family 29.1%
-1.5pp YoY
+1.2pp QoQ
 -3.5pp 32.6% 26.7% 31.3% 49%
Consumer 0.6%
-0.1pp YoY
0.0pp QoQ
 -3.5pp 4.1% 4.6% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 10.3%
+0.1pp YoY
-0.1pp QoQ
 -8.5pp 18.8% 23.3% 19.7% 4%
Leverage Ratio 9.0%
0.0pp YoY
+0.2pp QoQ
 -3.2pp 12.2% 12.6% 12.6% 12%
Total Capital Ratio 11.8%
+0.1pp YoY
-0.1pp QoQ
 -8.1pp 19.9% 24.4% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 30
+4 (+15.4%) YoY
0 QoQ
 -29 58 70 482 26%
Assets per Employee ($) $7.7M
-5.0% YoY
-0.6% QoQ
 +$221K $7.5M $7.1M $8.8M 64%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.7%
-0.2pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 62%
Allowance Coverage 1.81x
+54.2% QoQ
 -22.35x 24.15x 22.44x 20.23x 44%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 12.6%
-3.2pp YoY
0.0pp QoQ
 +0.4pp 12.2% 14.3% 11.6% 54%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 78%
Net Income ($, YTD) $1.2M
-10.5% YoY
— QoQ
 -$1.3M $2.6M $3.7M $40.4M 34%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Strain

risk
#91 of 691 • Bottom 13.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.00%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Cost Spiral

risk
#40 of 138 • Bottom 28.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 64.12%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

Margin Compression

decline
#133 of 307 • Bottom 43.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.07%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#450 of 936 • Bottom 48.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2403
Nonperforming Asset Ratio
credit_quality
Value: 1.80%
Peer Median: 0.67%
#2403 of 2643 Bottom 9.1% in $100M-$1B
2181
Tier 1 Capital Ratio
capital
Value: 10.55%
Peer Median: 15.91%
#2181 of 2643 Bottom 17.5% in $100M-$1B
2052
Non-Interest-Bearing Deposit Share
funding
Value: 14.57%
Peer Median: 22.03%
#2052 of 2643 Bottom 22.4% in $100M-$1B
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