B
The Andover Bank
AndoverOH
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings The Andover Bank
Andover, OH
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Rating B
Asset Quality Index 9.20
Capitalization Index 7.70
Liquidity Index 3.90
Profitability Index 3.60
Stability Index 3.50
Company Info The Andover Bank
Andover, OH
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FDIC Number 10663
Phone Number (440) 293-7256
Website www.andover.bank
Asset Quality The Andover Bank
Andover, OH
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1-Year Asset Growth 0.62%
5-Year Asset Growth 6.48%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 0.85%
Non-Performing Loans to Loans 0.31%
Balance Sheet The Andover Bank
Andover, OH
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Total Assets 586.71M
Total Deposits 548.93M
Capital and Reserves The Andover Bank
Andover, OH
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Capital 34.21M
Leverage Ratio 9.45
Loan Loss Reserves to Loans 0.57%
Risk-Based Capital Ratio 22.34
Liquidity The Andover Bank
Andover, OH
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Hot Money Ratio 12.70%
Liquidity Ratio 28.19%
Profitability The Andover Bank
Andover, OH
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5-Year Return on Average Assets 0.84%
Net Income 3.63M
Net Interest Spread 2.95%
Operating Profit to Average Assets 0.82%
Overhead Efficiency Ratio 75.13%
Return on Assets 0.80%
Return on Equity 16.78%