Andover Bank (FDIC #10663): Bank Stress & Real-Estate Credit Exposure

Andover Bank (FDIC Cert #10663): bank stress 85/100, severe, STABLE over 7 days; parent ANDOVER BCORP INC.

Andover Bank (#10663) lends in 3 counties across 2 states; Andover Bank (#10663) reaches 63 ZIP codes: Ohio 2 counties, 28 ZIPs; Pennsylvania 1 county, 35 ZIPs.

Andover Bank (#10663) largest markets: Erie County, PA (105 branches, 35 ZIPs) (#10663), Ashtabula County, OH (120 branches, 20 ZIPs) (#10663), Lake County, OH (11 branches, 11 ZIPs) (#10663).

Andover Bank (#10663) reports $595.1 million in total assets; Andover Bank (#10663) equity $38.6 million (6.5% of Andover Bank (#10663) assets); Andover Bank (#10663) domestic deposits $553.1 million; Andover Bank (#10663) net income $2.3 million; Andover Bank (#10663) return on assets 0.79%; Andover Bank (#10663) return on equity 12.55%; Andover Bank (#10663) net interest income $8.7 million; Andover Bank (#10663) call report June 30, 2026.

Andover Bank (#10663) noncurrent real-estate loans: none reported; Andover Bank (#10663) net charge-offs on real estate 0.30%; Andover Bank (#10663) residential charge-offs 0.27%.

Andover Bank (#10663) net interest margin 3.11% against an eight-quarter Andover Bank (#10663) average of 2.95% (Andover Bank (#10663) compression -0.15 points); Andover Bank (#10663) non-residential real estate 26.7% of equity; Andover Bank (#10663) rate-exposure score 40/100, Andover Bank (#10663) fixed-rate trap 40/100; Andover Bank (#10663) risk type credit driven; Andover Bank (#10663) rate regime rates elevated, Andover Bank (#10663) snapshot October 19, 2026.

Andover Bank (#10663) stress score moved from 87.4 on June 22, 2026 to 85.4 on October 19, 2026; Andover Bank (#10663) ranged 85.4 to 87.4 over 116 snapshots.

Andover Bank (#10663) alerts: 3 counties; top Andover Bank (#10663) alert scores: Jefferson County, OH 49 (moderate); Madison County, OH 47 (moderate); Erie County, OH 47 (moderate).