Total Assets
$230M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$207M
Customer-funded liabilities
Net Loans
$188M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
60th percentile nationally
1.25%
Return on Equity (ROE)
14.93%
Efficiency Ratio
60.81%
What the numbers say about Andover State Bank
Andover State Bank is an FDIC-insured institution (Certificate #16410) headquartered in Andover, Kansas, established in 1916. It holds $230M in total assets - 2,852nd of 4,313 FDIC-insured banks, $207M in customer deposits, and $188M in net loans. Its capital position: a Tier 1 ratio of 10.00%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 16.86% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Andover State Bank sits 81st of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Kansas by total assets
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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Andover State Bank's health grade?▼
Andover State Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Andover State Bank?▼
Andover State Bank holds $230M in total assets and $207M in deposits, ranking 2,852nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Andover, Kansas.
Is my money safe at Andover State Bank?▼
Yes, deposits at Andover State Bank (Certificate #16410) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Andover State Bank's Tier 1 Capital Ratio?▼
Andover State Bank has a Tier 1 Capital Ratio of 10.00%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Andover State Bank?▼
Andover State Bank has a Texas Ratio of 16.86%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Andover State Bank?▼
Andover State Bank has an Efficiency Ratio of 60.81%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Andover State Bank's profile as a depositor or analyst.
- Andover State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Andover State Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.