Astra Bank
Scandia, Kansas, Republic County
$423M in total assets, the 2,017th largest of 4,309 US banks and 52nd of 185 headquartered in Kansas.
- FDIC certificate
- 17636
- Established
- 1939
- Owned by
- Astra Financial Group Inc
- Primary regulator
- FDIC
- Website
- astra.bank
At a glance
Compared with 116 banks headquartered in Kansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $423M | 73% | $257M | |
| Loans | $220M | 63% | $172M | |
| Deposits | $372M | 75% | $214M | |
| Return on assets | 0.67% | 5% | 1.41% | |
| Net interest margin | 3.49% | 16% | 3.98% | |
| Efficiency ratio | 78.9% | 97% | 58.4% | |
| Equity to assets | 4.78% | 2% | 10.25% | |
| Loans to deposits | 59% | 16% | 78% |
Growth
Total assets grew 2.0% a year over the last 5 years and 4.8% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2017 | Midwest Community Bank Plainville, KS | $60M |
| Jan 2013 | First National Bank Hays, KS | $80M |
| Jul 2009 | Sutton State Bank Sutton, NE | $25M |
| Jun 2007 | First National Bank in Belleville Belleville, KS, an affiliate under the same holding company | $91M |
| Jun 2002 | Community Bank Chapman, KS | $41M |
Where they operate
7 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Dickinson County, KS | $105M | 18.8% | 2 of 10 |
| Republic County, KS | $102M | 38.6% | 1 of 5 |
| Ellis County, KS | $100M | 7.6% | 7 of 10 |
| Rooks County, KS | $56M | 27.2% | 2 of 5 |
| Ford County, KS | $9M | 1.0% | 11 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (8 to 7, −12.5%). 1 opened, 2 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2017 | Acquired Midwest Community BankClosed Plainville | 2 | 1 | +1 | 9 |
| 2020 | Closed Palco | 0 | 1 | −1 | 8 |
| 2021 | Closed Hays | 0 | 1 | −1 | 7 |
| 2023 | Opened Dodge City | 1 | 0 | +1 | 8 |
| 2026 through Q2 | Sold 1 branch to Waypoint Bank | 0 | 1 | −1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 27% | 14% | |
| Farmland | 26% | 17% | |
| Business (C&I) | 16% | 11% | |
| 1-4 family residential | 15% | 27% | |
| Commercial real estate | 9% | 17% | |
| Construction and land | 1% | 5% | |
| Multifamily | 1% | 2% | |
| Consumer | 1% | 4% | |
| Other | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 63% | 46% | |
| Time deposits | 22% | 34% | |
| Noninterest-bearing | 15% | 21% |
Brokered deposits are 0.0% of deposits (peers 3.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.03% | 0.24% |
| Net charge-offs, annualized | 0.10% | 0.00% |
| Reserves to loans | 1.08% | 1.27% |
| Leverage ratio | 9.27% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Dickinson County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/astra