The Andover Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 4.96 percentage points in Q2 2026, from 60.51% to 65.47%. It was the largest change from Q1 2026 among the key lines here. The Andover Bank has the 8th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 50.90% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Andover Bank sits 29.94 points lower, at 50.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $281.6M |
| Net loans and leases | $280.0M |
| Loans held for sale | $0 |
| Loans to total assets | 47.31% |
| Loan-to-deposit ratio | 50.90% |
| Net loans to equity capital | 7.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.34% |
| Multifamily (5+ residential) | 5.69% |
| Commercial and industrial | 1.79% |
| Consumer | 1.07% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 7.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.47% |
| Construction concentration (Tier 1 capital + allowance) | 6.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.31% |
| Interest income on loans | $3.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $275.5M | $535.7M | 8.06% | 1.20% | 1.46% |
| Q4 2023 | $268.1M | $528.3M | 9.34% | 1.45% | 1.52% |
| Q1 2024 | $266.6M | $521.0M | 9.00% | 1.58% | 1.55% |
| Q2 2024 | $268.0M | $529.7M | 10.24% | 1.66% | 1.53% |
| Q3 2024 | $265.6M | $547.1M | 10.21% | 1.60% | 1.45% |
| Q4 2024 | $265.0M | $535.9M | 11.79% | 1.51% | 1.37% |
| Q1 2025 | $266.4M | $535.6M | 11.77% | 1.57% | 1.35% |
| Q2 2025 | $270.2M | $542.1M | 13.14% | 1.85% | 1.30% |
| Q3 2025 | $277.2M | $548.9M | 14.87% | 1.57% | 1.22% |
| Q4 2025 | $274.8M | $546.1M | 16.48% | 1.67% | 1.21% |
| Q1 2026 | $278.1M | $562.7M | 16.22% | 1.92% | 1.19% |
| Q2 2026 | $281.6M | $553.1M | 16.34% | 1.79% | 1.07% |
The Andover Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Andover Bank, freeSource: Call Report Schedule RC-C, 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)