BlastPoint's Banking Scorecard
Andover State Bank
Andover, KS
2 branches across KS
Andover State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.17% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 28.6% in tier
- - Margin Compression: Bottom 50.8% in tier
- - Net Interest Margin 0.19% below tier average
- - Delinquency Rate 0.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$233.7M
+11.9% YoY
+1.7% QoQ
|
-$152.4M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$186.1M
+2.4% YoY
-0.8% QoQ
|
-$69.6M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$210.0M
+12.1% YoY
+1.6% QoQ
|
-$118.0M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.05%
-14.7% YoY
-15.6% QoQ
|
-0.22% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
3.74%
-1.2% YoY
-4.9% QoQ
|
-0.19% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
65.12%
+8.5% YoY
+7.1% QoQ
|
-0.17% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
1.03%
-46.5% QoQ
|
+0.14% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
88.63%
-8.7% YoY
-2.4% QoQ
|
+11.99% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
14.16%
-3.4% YoY
-2.5% QoQ
|
-7.86% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.82%
-47.8% QoQ
|
+0.18% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
10.67%
+4.4% YoY
+4.0% QoQ
|
-5.16% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.09%
-18.6% YoY
-78.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (0)
Concerns (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.