Astra Bank: how it compares with its peers
Against 64 KS banks with half to twice its assets, Astra Bank's strongest measure in Q2 2026 is assets per employee ($6.2M vs. a $6.6M peer median). Its weakest relative measure is return on assets (0.59% vs. 1.52%).
| Measure | Astra Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.59% | 1.52% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.49% | 4.07% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.87% | 58.42% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.6M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.43% | 79.32% | Context |
What it means for lending operations
Its efficiency ratio of 78.87% is above the 58.42% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Union State Bank of Everest Everest, KS · $427M
- The Citizens State Bank Marysville, KS · $442M
- Bank of the Plains Plains, KS · $446M
- Mutual Savings Association Leavenworth, KS · $399M
- The Farmers State Bank of Oakley, Kansas Oakley, KS · $396M
- The Citizens State Bank Moundridge, KS · $451M
Questions about Astra Bank
How big is Astra Bank?
Astra Bank, established in 1939, is headquartered in Scandia, KS. It reported $423M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Astra Bank's return on assets?
0.59% annualized in Q2 2026, against a 1.52% median for 64 KS banks with half to twice its assets, ahead of 2% of them.
What is Astra Bank's efficiency ratio?
78.87% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 58.42%, and lower is better.
Is Astra Bank growing its loans?
Net loans shrank 3.3% over the year to Q2 2026, while deposits shrank 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.