Bank Comparison
Andover Bank, the vs Mercer County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Andover Bank, the | Mercer County State Bank |
|---|---|---|
| CET1 Ratio | 21.53% | — |
| Tier 1 Capital Ratio | 21.53% | — |
| Total Capital Ratio | 22.10% | — |
| Tier 1 Leverage Ratio | 9.73% | 10.46% |
| Equity / Assets | 6.01% | 7.88% |
Profitability
| Metric | Andover Bank, the | Mercer County State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 1.06% |
| Return on Equity (ROE) | 10.39% | 13.52% |
| Net Interest Margin (NIM) | 3.02% | 3.69% |
| Yield on Earning Assets | 4.00% | 5.02% |
| Cost of Funds | 1.02% | 1.41% |
Asset quality
| Metric | Andover Bank, the | Mercer County State Bank |
|---|---|---|
| Texas Ratio | 2.38% | 17.97% |
| Non-Performing Loan Ratio | 0.30% | 1.95% |
| Non-Performing Asset Ratio | 0.14% | 1.29% |
| Net Charge-Off Ratio | 0.00% | 0.09% |
| ACL / Loans | 0.57% | 1.14% |
Balance sheet
| Metric | Andover Bank, the | Mercer County State Bank |
|---|---|---|
| Total Assets | $602,083K | $601,730K |
| Total Deposits | $562,715K | $527,393K |
| Total Loans | $278,127K | $396,899K |
| Total Equity | $36,190K | $47,414K |
| Net Income (quarter) | $954 | $1,599K |
Liquidity & funding
| Metric | Andover Bank, the | Mercer County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 49.43% | 75.26% |
| Core Deposit Ratio | 95.66% | 90.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Andover Bank, the | Mercer County State Bank |
|---|---|---|
| Headquarters City | ANDOVER | SANDY LAKE |
| Headquarters State | OH | PA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 12 |
| Employees (FTE) | 93 | 108 |
| Established | Nov. 1, 1884, midnight | June 20, 1911, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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