The Andover Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 42.41 percentage points in Q2 2026, from 188.73% to 146.32%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Andover Bank is 94th of 156 on return on assets, 0.90% as of Q2 2026, below the middle of the field. The Andover Bank reported 0.90% on return on assets for Q2 2026, 0.36 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.74% |
| Tier 1 risk-based capital ratio | 21.74% |
| Total risk-based capital ratio | 22.31% |
| Tier 1 leverage ratio | 9.63% |
| Equity capital to assets | 6.49% |
| Tangible equity to tangible assets | 6.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.83% |
| Allowance for credit losses to loans | 0.55% |
| Reserve coverage of non-performing loans | 146.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 14.87% |
| Net interest margin | 3.15% |
| Efficiency ratio | 69.67% |
| Yield on earning assets | 4.07% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.90% |
| Core deposits to total deposits | 95.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.95% |
| Securities to assets | 43.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.90% | 21.90% | 22.51% | 9.51% | 0.77% |
| Q4 2023 | 22.18% | 22.18% | 22.79% | 9.76% | 0.70% |
| Q1 2024 | 22.52% | 22.52% | 23.16% | 9.94% | 0.62% |
| Q2 2024 | 22.47% | 22.47% | 23.10% | 9.75% | 0.61% |
| Q3 2024 | 23.28% | 23.28% | 23.90% | 9.61% | 0.69% |
| Q4 2024 | 21.72% | 21.72% | 22.30% | 9.06% | 0.58% |
| Q1 2025 | 21.87% | 21.87% | 22.47% | 9.34% | 0.61% |
| Q2 2025 | 21.69% | 21.69% | 22.27% | 9.27% | 0.92% |
| Q3 2025 | 21.77% | 21.77% | 22.34% | 9.45% | 0.87% |
| Q4 2025 | 21.67% | 21.67% | 22.23% | 9.45% | 0.73% |
| Q1 2026 | 21.52% | 21.52% | 22.10% | 9.73% | 0.63% |
| Q2 2026 | 21.74% | 21.74% | 22.31% | 9.63% | 0.90% |
The Andover Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Andover Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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