The Andover Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Andover Bank of Andover, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.90% | 1.35% | -0.45% | 28th below |
| ROAE | 14.87% | 12.05% | +2.82% | 65th above |
| Net Interest Margin | 3.15% | 3.90% | -0.75% | 14th bottom |
| Efficiency Ratio | 69.67% | 63.15% | +6.52% | 29th below |
| PPNR / Avg Assets | 0.96% | 1.64% | -0.68% | 19th bottom |
| Yield on Earning Assets | 4.07% | 5.65% | -1.58% | 3rd bottom |
| Cost of Funds | 0.99% | 1.85% | -0.86% | 91st top |
| Net Interest Spread | 2.73% | 3.35% | -0.62% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.92% | -0.54% | 52nd above |
| NPA / Total Assets | 0.18% | 0.67% | -0.49% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 0.55% | 1.28% | -0.73% | 4th bottom |
| ACL / NPLs (Coverage) | 146.32% | 1645.78% | -1499.46% | 39th below |
| Texas Ratio | 2.83% | 7.15% | -4.32% | 55th above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.74% | 20.83% | +0.91% | 82nd top |
| Tier 1 Ratio | 21.74% | 20.86% | +0.88% | 82nd top |
| Total Capital Ratio | 22.31% | 21.93% | +0.38% | 81st top |
| Leverage Ratio | 9.63% | 12.46% | -2.83% | 24th bottom |
| Equity / Assets | 6.49% | 11.67% | -5.18% | 4th bottom |
| TCE / Tangible Assets | 6.07% | 11.40% | -5.33% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.90% | 78.65% | -27.75% | 91st top |
| Core Deposit Ratio | 95.71% | 87.09% | +8.62% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.52% | 6.47% | -2.95% | 43rd below |
| Loan Growth (Y/Y) | 4.19% | 7.64% | -3.45% | 43rd below |
| Deposit Growth (Y/Y) | 2.04% | 6.02% | -3.98% | 35th below |
See The Andover Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Andover Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Andover Bank profile, how to read a UBPR, or how this data updates.