🏦Bank Scorer

ANDOVER STATE BANK

ANDOVER, KS · Supervised by FDIC

Est. 1916FDIC #16,410RSSD: FDIC-16410
Part ofANDOVER FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.05%

Institution Profile

FDIC BankFind

Address

511 N Andover Rd, ANDOVER, KS

County

Butler County

Established

November 26, 1916

Total Assets

$234M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$234M

Total Deposits

$210M

Net Loans

$186M

Net Income

$610K

ROA

1.05%

ROE

12.58%

Risk-Based Capital

11.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.20%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$188M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246175.41%8.20%
202311165.77%8.11%
20197071.43%10.00%
20183994.87%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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