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The Andover Bank
Andover, OH · FDIC Certificate #10663 · Chartered 11/0
Total assets
$595.10M
Total deposits
$553.14M
Total equity
$38.61M
Net loans
$280.00M
Branches (offices)
10
Net income (YTD)
$2.34M
Rank: #1,568 of 4,213 U.S. banks by assets · #48 of 155 in Ohio. Assets changed 3.5% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.79% |
| Return on equity | 12.55% |
| Net interest margin (YTD) | 3.11% |
| Equity to assets | 6.49% |
| Tier 1 leverage ratio | 9.63% |
| Uninsured deposits (share of deposits) | 13.2% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 50.6% |
| Real estate loans (share of loans) | 86.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $243.37M | 86.9% | |
| Commercial & industrial | $5.04M | 1.8% | |
| Consumer / individual | $3.01M | 1.1% | |
| Construction & development | $3.76M | 1.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $582.67M | $545.11M | $2.67M | $24.79M |
| Jun 2023 | $559.29M | $529.53M | $2.17M | $21.93M |
| Jun 2024 | $557.72M | $529.74M | $1.68M | $24.34M |
| Jun 2025 | $574.87M | $542.06M | $2.31M | $29.05M |
| Jun 2026 | $595.10M | $553.14M | $2.34M | $38.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $479.26M | 7 |
| Pennsylvania | $73.88M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $553.14M.
Similar-sized banks
Wayne County Bank ($595.12M) · The First National Bank Of East Texas ($594.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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