| Metric | The Andover Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.9% | -1.4 pts |
| Deposit growth (YoY) | +2.0% | +4.3% | -2.3 pts |
| Loan growth (YoY) | +4.2% | +5.3% | -1.1 pts |
| ROA | 0.79% | 1.28% | -0.5 pts |
| ROE | 12.6% | 12.4% | +0.1 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $595.1M | $553.1M | $280.0M | $38.6M | $2.3M | 0.79% | 3.11% | 0.12% |
| Q1 2026 | $602.1M | $562.7M | $276.6M | $36.2M | $954K | 0.64% | 3.01% | 0.08% |
| Q4 2025 | $587.0M | $546.1M | $273.2M | $37.3M | $4.8M | 0.83% | 3.08% | 0.07% |
| Q3 2025 | $586.7M | $548.9M | $275.6M | $34.2M | $3.6M | 0.84% | 3.03% | 0.09% |
| Q2 2025 | $574.9M | $542.1M | $268.7M | $29.1M | $2.3M | 0.81% | 2.97% | 0.09% |
| Q1 2025 | $566.8M | $535.6M | $264.8M | $27.7M | $907K | 0.64% | 2.83% | 0.11% |
| Q4 2024 | $565.6M | $535.9M | $263.4M | $25.6M | $3.6M | 0.63% | 2.82% | 0.11% |
| Q3 2024 | $583.1M | $547.1M | $264.0M | $32.0M | $2.7M | 0.63% | 2.76% | 0.10% |
Loan mix (Q2 2026): real estate $243.4M · commercial $5.0M · consumer $3.0M · securities $260.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Andover Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.28% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.4% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 61.2% | 86th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Andover Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Andover Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Andover Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Andover Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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