BlastPoint's Banking Scorecard
The Andover Bank
Community
Specialty: Mortgage
OH
FDIC cert 10663
Andover, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Andover Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 41% in Community
- + Loan-to-Deposit Ratio 33.03% below tier
- + Tier 1 Capital Ratio 11.42% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$587.0M
+3.8% YoY
+0.0% QoQ
|
-$804.5M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$273.2M
+3.7% YoY
-0.9% QoQ
|
-$702.3M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$546.1M
+1.9% YoY
-0.5% QoQ
|
-$618.5M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.83%
+31.0% YoY
-2.1% QoQ
|
-0.34% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.08%
+9.2% YoY
+1.8% QoQ
|
-0.58% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
76.04%
-4.8% YoY
+1.2% QoQ
|
+13.41% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.15%
-37.8% YoY
-19.6% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
50.03%
+1.8% YoY
-0.3% QoQ
|
-33.03% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.41%
+3.4% YoY
-3.3% QoQ
|
+5.36% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.07%
-37.8% YoY
-20.4% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
21.67%
-0.2% YoY
-0.5% QoQ
|
+11.42% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.66%
-0.9% YoY
+34.0% QoQ
|
-0.07% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#153 of 371 · Top 41% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
50.03%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.67%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Loan-to-Deposit Ratio
Current: 50.03% · Tier avg: 83.06%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.67% · Tier avg: 10.24%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.41% · Tier avg: 21.05%
67
67th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
26
26th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
21
21th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.66%
21
21th pctile
Total Deposits
Current: $546.1M · Tier avg: $1.2B
15
15th pctile
Efficiency Ratio
Current: 76.04% · Tier avg: 62.63%
13
13th pctile
Total Assets
Current: $587.0M · Tier avg: $1.4B
3
3th pctile
Total Loans
Current: $273.2M · Tier avg: $975.5M
Top Weaknesses
3
3th pctile
Total Loans
Current: $273.2M · Tier avg: $975.5M
13
13th pctile
Total Assets
Current: $587.0M · Tier avg: $1.4B
15
15th pctile
Efficiency Ratio
Current: 76.04% · Tier avg: 62.63%
21
21th pctile
Total Deposits
Current: $546.1M · Tier avg: $1.2B
21
21th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.66%
26
26th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
67
67th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.41% · Tier avg: 21.05%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.67% · Tier avg: 10.24%
96
96th pctile
Loan-to-Deposit Ratio
Current: 50.03% · Tier avg: 83.06%