The Andover Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 7.0% from Q1 2026 to Q2 2026, ending at -$23.5M against -$25.3M. It was the largest change among the key lines on this page. The Andover Bank ranks 14th of 84 Ohio banks on CET1 ratio, in the upper half at 21.74% (Q2 2026). The Andover Bank reported 21.74% on CET1 ratio for Q2 2026, 6.67 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.74% |
| Tier 1 risk-based capital ratio | 21.74% |
| Total risk-based capital ratio | 22.31% |
| Tier 1 leverage ratio | 9.63% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $59.5M |
| Tier 1 capital | $59.5M |
| Total risk-based capital | $61.0M |
| Total equity capital | $38.6M |
| Risk-weighted assets | $273.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.49% |
| Tangible equity to tangible assets | 6.07% |
| Equity capital to average assets | 6.22% |
| Internal capital growth rate | 7.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $11.1M |
| Retained earnings | $49.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.90% | 21.90% | 22.51% | 9.51% | $240.5M |
| Q4 2023 | 22.18% | 22.18% | 22.79% | 9.76% | $238.3M |
| Q1 2024 | 22.52% | 22.52% | 23.16% | 9.94% | $238.1M |
| Q2 2024 | 22.47% | 22.47% | 23.10% | 9.75% | $239.0M |
| Q3 2024 | 23.28% | 23.28% | 23.90% | 9.61% | $234.9M |
| Q4 2024 | 21.72% | 21.72% | 22.30% | 9.06% | $252.3M |
| Q1 2025 | 21.87% | 21.87% | 22.47% | 9.34% | $254.3M |
| Q2 2025 | 21.69% | 21.69% | 22.27% | 9.27% | $259.4M |
| Q3 2025 | 21.77% | 21.77% | 22.34% | 9.45% | $264.6M |
| Q4 2025 | 21.67% | 21.67% | 22.23% | 9.45% | $267.5M |
| Q1 2026 | 21.52% | 21.52% | 22.10% | 9.73% | $273.4M |
| Q2 2026 | 21.74% | 21.74% | 22.31% | 9.63% | $273.6M |
The Andover Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Andover Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Andover Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10663) · FFIEC NIC profile (RSSD 27614)