FDIC Cert #16410 · Andover, Kansas · Est. 1916

Andover State Bank - FDIC Bank Health Profile

A community-scale look at Andover State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$230M
Total assets
C
Health grade · Fair
1.25%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Andover State Bank earns a PlainBankData health grade of C (56/100), with 10.00% Tier 1 capital, profitable at 1.25% ROA, 61% efficiency ratio.

#2,852
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
10.00%
Tier 1 ratio - below the 10% well-capitalized line
60th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 16410 · KS C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3968/4307
  • PHOTO-FINISH The Hicksville Bank · OH
  • TIER1-ADEQ 10.0% Tier 1
  • TEXAS-HEALTHY 16.9% Texas
  • ROA-PAR 1.25% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: The Hicksville Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Andover State Bank

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Andover State Bank · KS · th…56/100Merchants & Planters… · AR ·…56/100Security State Bank… · MN · …56/100The Hicksville Bank · OH · n…56/100The Tri-County Bank · NE · n…56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Andover State Bank · July 2026

Call Report read for Andover State Bank in a high-failure state

Andover State Bank (FDIC Cert #16410) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,968 of 4,307. Tier 1 capital prints at 10.00%, missing the 10% well-capitalized line. The Texas Ratio is 16.86%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.25%. Balance-sheet scale is $230M, 2,852nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Hicksville Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Andover State Bank

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

Andover State Bank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Andover State Bank's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How Andover State Bank's 56/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10056/100
Andover State Bank's composite health score
Tier 1 Capital Ratio (10.00%) 18/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (16.86%) 10/20
Efficiency Ratio (60.81%) 8/15

56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$230M

Total balance-sheet footings

Total Deposits

$207M

Customer-funded liabilities

Net Loans

$188M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.6% 10% 11.4%
Basel III capital ratios - Andover State Bank

Where Andover State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Andover State Bank's score of 56/100 falls in the highlighted band.

Andover State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Andover State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Andover State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Andover State Bank's $230M falls in the highlighted band.

Capital & credit buffers at Andover State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.00% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.00%
Texas Ratio
16.86%
Equity Capital
$19M

What these ratios mean →

Earnings posture at Andover State Bank

Return on Assets (ROA)
60th percentile nationally
1.25%
Return on Equity (ROE)
14.93%
Efficiency Ratio
60.81%

What these mean →

Income & expense at Andover State Bank

$13M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Andover State Bank reports a Texas Ratio of 16.86% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Andover State Bank on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($230M here), outside Kansas so the neighborhood is not state containment.

Commerce Bank $230M · MN Security Bank $230M · TN Bank of Wiggins $230M · MS Farmers State Bank $229M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Andover State Bank (FDIC Cert #16410) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Andover State Bank Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%