# ANDOVER BANK
ANDOVER, OH · FDIC certificate 10663 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $595.1M | |
| Deposits | $553.1M | |
| Loans and leases | $281.6M | |
| Total equity | $38.6M | |
| Loans / deposits | 50.62% (p6 of band) | 82.04% |
| Liquid assets / assets | 48.01% (p91 of band) | |
| Uninsured deposits / deposits | 13.23% (p9 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.63% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -77.18% (p2 of band) | -8.10% |
| AOCI / equity | -0.74% (p32 of band) | |
| ROA (annualized) | 0.79% (p21 of band) | 1.28% |
| Net interest margin | 3.11% (p13 of band) | 3.91% |
| Efficiency ratio | 76.83% (p85 of band) | |
| Noncurrent loans | 0.26% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p54 of band) | |
| Reserve coverage of noncurrent | 210.73% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 9.73% (p14 of band) | |
| Auto loans | $1.4M (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 3 | AOCI drag >20% of equity, assets shrinking | uninsured deposits leaving |
| 2023-12 | 1 |  | AOCI drag >20% of equity, assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-13 [The top-performing 20 public banks with under $2B of assets in 2025 - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxQVG5tX1lSVjJVRjlkR0NVZlI3NDNZbG9VUHlpYVg2LVl0ZGNJYnZBbVIxSnVKWGotUlRTa3drbkFLRHktNEpCNENzMWtKLXAtTUFEb2xoTjJPY0tOUEo0NkQxbGUteWdkRjNxcXh1SGFrNXVXVW5ZRmpseW83aHlMQzhOVDg2WW5nNkg3LTdFcF9LS2Z4QWpJTFVycW93dm9PVnlrcA?oc=5) · American Banker
- 2021-10-29 [Mover of the Week: Caprice Melhuish named to management post at Andover Bank - Erie Times-News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOYVFtcnhZbmZLTWp4V0tVS3kwT1NoYVh4cGxFUWc4a2czam1qODVJS3dKSVFKRmNkZ1kwNGs0NXBhRUsyWFlTVXpmbkZ6SndLY2tMUVA4U2xxTU1FcC1CVlVRX3lHaGx3ZVRjVU1fWDd6dFVMTmtXV0diaFJyX2RlSmZ5RHE4NnZiR2dGWHdjT0J4eTdkckl3eEJEWWIxZEJobHZnVDdkOXhHdWtsWnJIOFNwZjZKZ3B6ZkktcUh4Vldsem9YcmFxNA?oc=5) · Erie Times-News
- 2023-11-09 [WATCH: Failed heist of Andover Bank ATM caught on camera in Austinburg Township - FOX 8 News](https://news.google.com/rss/articles/CBMidkFVX3lxTE96UzNRNGRET3RubTJYci1KeF9wMy1PS2JlSVJvVE1HSXFMd3I2TnlLaF8yWHVvQThGZkpPUUUzTnlWR01mRDhaMHRwcWtaMnc0ZWZtbTI3N2tENjJzcVczbTZveENDenVpM1plcmtaXzJJWmNIaVHSAXtBVV95cUxPQ2FndnBlYmJ6d2I2TFRGYTVhSV92clJzSkx0VEFZRU9YZ1ZfWUpVM19CbC1UMlEwZDZmSEZpRUpGZjQwR0VFekNGYTRJQ0hLbmMycUhSZm9hNWQ4eTJhYnN1cDFKN0FIc00xUU1zYmdBZU9SODlxRERUa1k?oc=5) · FOX 8 News
- 2026-08-13 [Mary Leone Obituary | Cataudella Funeral Home | Methuen, MA - Tribute Archive](https://news.google.com/rss/articles/CBMibkFVX3lxTE9nWFFaNEVjR3pWakFGZHBlOGRxVHZrNXBhZXdXSTEySFZYQXZQT05DNjdWZUVvUG5JX1h3UHNpek56TUhXLVU0UVJkSE9FU1h3X0xSbTNncGlzdjQ5LVNWaFhYX3BBV1lYSTgwR2ZB?oc=5) · Tribute Archive
- 2014-08-05 [Andover bank names new president - Wichita Eagle](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5BWTJ5cE9UQVAwcXVHS0FnaDVub1RHYTFmaTBta2tjbE1BcG1WTHFiTloweldYYjZsYTdsbGtvRVd1U2p6NHlWRE5Lay1PclNtdC16Z2VMX3JLUjBZT0NVY2dVUlRLN2PSAWdBVV95cUxQUVIyQUV0MnhEQWYxdkhxSExtZVI5UWdXNmFpaWtuLV9xTG10eXFxZnNfMUJtMGdWUXM2S3RMQndZMWdVWkdvcDM2MVY5LWtFN2tOM19udW1DSlRSdmhGckpDa3ByZmVn?oc=5) · Wichita Eagle
- 2019-02-01 [Andover Bank celebrates rebranding - Star Beacon](https://news.google.com/rss/articles/CBMixgFBVV95cUxQY3NQWXozcldiSW9HcDdXaVd5ejQtWlhVREZKQ1pJWFFaY3dfbGNTclVtT3AyZ3pNMFl6UFZnZFRnSG9zM2NQWXhFRDVTa01kWU05NEZSeTNsSGtqbTFxZ3Nmdmlud1Q0UmJJMTJWb0dyQ0NiZWRUc2Q1bVlwSnExTmctOHFBT01iQk5nZ3ZIaVY1T2trNUM2dEJ1REd1cWw2a2lfTkdFaGJ3Q3hZenB5eTllQW9MTjVlSEFEQjdMMkJhQUZtemc?oc=5) · Star Beacon
- 2018-08-22 [Suspect accused of multiple robberies arrested in Ashtabula County - WKYC](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPdFJNdmR2eXNqa2pZOWlpZW9GU3JzbVE0RmgwNktoVklaSkFGd2FxWFBNeFE3cU9mNXhaZXA1LU55a3BvT2lxODF4X3F6eFJjcWxlQmtIRUo3SkFfSFFCYzFRLXR0d19HdW51Q0JuMU9RTkF1SzRvSExCTHFWcDluMnpGcUgzSzlUUTNPM1kyQ0tIWnYyZkttUDMwODVZWFIyb2FlQ09mNHBIbW91cXpWSUR4Y3lHS1R4alN3?oc=5) · WKYC
- 2021-03-25 [MaryAnne L. Seaman, Andover, Ohio - WKBN.com](https://news.google.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?oc=5) · WKBN.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10663 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "10663", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide