# ANDOVER STATE BANK
ANDOVER, KS · FDIC certificate 16410 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $232.2M | |
| Deposits | $208.2M | |
| Loans and leases | $189.7M | |
| Total equity | $20.1M | |
| Loans / deposits | 90.00% (p79 of band) | 73.59% |
| Liquid assets / assets | 15.36% (p12 of band) | |
| Uninsured deposits / deposits | 24.37% (p66 of band) | 19.81% |
| Brokered deposits | 2.07% | |
| Wholesale funding | 3.15% (p65 of band) | |
| FHLB advances / assets | 1.08% | |
| Tier 1 leverage | 8.95% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -3.21% (p64 of band) | -6.57% |
| AOCI / equity | -0.07% (p65 of band) | |
| ROA (annualized) | 1.07% (p44 of band) | 1.17% |
| Net interest margin | 3.86% (p47 of band) | 3.93% |
| Efficiency ratio | 64.12% (p45 of band) | |
| Noncurrent loans | 0.67% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 180.52% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 42.56% (p75 of band) | |
| Auto loans | $937,000 (0.49% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.9% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | construction >100% equity |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | liquid assets <10% |  |
| 2012-03 | 2 | capital falling | liquid assets <10% |
| 2012-06 | 4 | liquid assets <10%, reserve under noncurrent, uninsured deposits leaving | construction >100% equity |
| 2012-09 | 2 |  | capital falling, uninsured deposits leaving |
| 2012-12 | 3 | construction >100% equity |  |
| 2013-03 | 6 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2013-06 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-09 | 2 | uninsured deposits leaving | construction >100% equity, loans exceed deposits |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | liquid assets <10% |
| 2014-06 | 2 | capital falling, construction >100% equity | uninsured deposits leaving |
| 2014-09 | 3 | liquid assets <10% |  |
| 2014-12 | 4 | loans exceed deposits |  |
| 2015-03 | 3 |  | loans exceed deposits |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 1 |  | liquid assets <10% |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | construction >100% equity, capital falling |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 0 |  | liquid assets <10% |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2019-03 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2019-06 | 1 |  | construction >100% equity |
| 2019-09 | 1 | reserve under noncurrent | capital falling |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2020-09 | 4 | construction >100% equity |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2021-06 | 0 |  | construction >100% equity |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 0 |  | construction >100% equity |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2023-06 | 3 | liquid assets <10% |  |
| 2023-09 | 3 | loans exceed deposits | capital falling |
| 2023-12 | 2 |  | loans exceed deposits |
| 2024-03 | 3 | loans exceed deposits |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 | capital falling | liquid assets <10%, loans exceed deposits |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | liquid assets <10% | capital falling |
| 2025-06 | 0 |  | construction >100% equity, liquid assets <10% |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-02-26 [Griffin named CFO of Andover State Bank - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNT0x5OFJ0ZG9jSEliOEo5NFZ5UDQ4eEFrRzRzanpoWW9Xd19FYVRoRkpsMEZZYmZ3emxOajh1c0NJQk9wYzBTUUZIRnQwcHlNdHVSRk5HVXNCaXRSVFdhUGRxb1AxcmpqdHlKR21GdkgzaUFWaFZfOVBWQWVDWTlqSlhnZXl4bUtTU3JkTUJLWTFNMWhidGcyek92bkI?oc=5) · The Business Journals
- 2014-08-05 [Andover bank names new president - Wichita Eagle](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5BWTJ5cE9UQVAwcXVHS0FnaDVub1RHYTFmaTBta2tjbE1BcG1WTHFiTloweldYYjZsYTdsbGtvRVd1U2p6NHlWRE5Lay1PclNtdC16Z2VMX3JLUjBZT0NVY2dVUlRLN2PSAWdBVV95cUxQUVIyQUV0MnhEQWYxdkhxSExtZVI5UWdXNmFpaWtuLV9xTG10eXFxZnNfMUJtMGdWUXM2S3RMQndZMWdVWkdvcDM2MVY5LWtFN2tOM19udW1DSlRSdmhGckpDa3ByZmVn?oc=5) · Wichita Eagle
- 2021-03-27 [Allison Grace, President, Andover State Bank - The Business Journals](https://news.google.com/rss/articles/CBMiygFBVV95cUxQTUVjUmNUbVFwSmlqM0NIV0ZRdE92UHRTYm5LbmpSQzB5cEZNZWFhRkNrLTk2MjhoeFFHeWliRDhOZ3VPeW5Ga2lGZXpDT0hBd1FNX0UtQnhwVmN1bmlGOVBLR09Obmxialp1Nm9ZY3B5T3BpZHFDVEtGc3VOcXZJeVlQMkFnLTFDX2ZFczBlLVN3amtacHNoS1RMWlhxeldDdzB0bjR2eFpNWUVDSi1RelB6N3QtalJUN203YjkzMjQ0emNiUEkwQmp3?oc=5) · The Business Journals
- 2026-06-01 [Water turned back on at Wichita apartment complex after residents go days without - KWCH](https://news.google.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?oc=5) · KWCH
- 2015-07-18 [Bethany Sailsbury Obituary Jul 18, 2015 - Cozine Memorial Group](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBiRFdwVEdFYUtJWEtESXpCd3RHUThqNEFjeEM1MjAxbUFoODVTRmM3YUtwTnZpTnV2eGFnekJJTnhkVTc2Tjl1dGF6OEl4R1JEWkNJa3FVSFl4eU8wcS1Fcw?oc=5) · Cozine Memorial Group
- 2020-08-12 [Barry Purdy joins Andover State Bank leadership team - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNbEg4ODVZblNJM3VXbmZSUFZySjh6ejVfd2dMVlgxak5jbnhMVWU3clZWVmlfNzJvR3k0eGhVbW45b1JZRzFfYy1sR2hQNWtLUjRIel8yNWNMVjZkZzItaWZ0bmg2QkFxRGlla292d2RDWElmQWk1Y1AyOTBlYmVUX0oxbHpIWW9Eekd4N3ZSS1NQdEMzVVRWeDdwa25PVDdTbHk5R2JR?oc=5) · The Business Journals
- 2022-11-19 [Erica Stephens, Andover State Bank - The Business Journals](https://news.google.com/rss/articles/CBMixAFBVV95cUxOWURGTmNVSVk3Y25MYVREcU9hTmY3TGxaVk5MY0dzWjZCREZhd0lNX2FFNDN6ZE44NUNFVkw0OFh5NWxYUEZDMzRUanFPQzRDUF9lOWZyb2Yxa25oRkw4eEJKSGpER2pLa0tyRWpFNzh0R1M4UmJ0YVFiRUpqNndfak9CNFlQR0l4MG9oelFBbWJtbzJVYm00R0lXRkJIVTZlVWpCSFFnbjBzSUNSTEJjaHl1eFo5LUpmR2Z1V1YybEFaaHN1?oc=5) · The Business Journals
- 2019-12-06 [No. 7 small company category: Andover State Bank - The Business Journals](https://news.google.com/rss/articles/CBMivAFBVV95cUxNdTVDZUxQZGg3bmg0TzNJMEpIZ0lRaDFIRFljc2F6ZDZTbFFCU2tuWmpwanB5aS1xc1BNeDZoOXdNZkpsSGhQVGpLQ2dualk4aWFDQ2I0X2NNcjlsMTdHRDNZTGN5c19XZVFHWHFLclZkQmRQejVDT2E0Y25UdTBkdTNFa3QxNGV5blF6LWw3YXM4M1VSdWoyWXAxUzVjWWVIVlJtMWtrVDV5UmN5Q1duM1NOdzlHSHZoRnpiQg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16410 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "16410", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide