BlastPoint's Banking Scorecard

The Andover Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 10663

Andover, OH

10 branches across OH · PA

2664 banks in the $100M-$1B peer group nationally 98 in OH

The Andover Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 23.4% in tier
- ROA 0.63% below tier average
- Net Interest Margin 0.92% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$602.1M +6.2% YoY +2.6% QoQ	+$216.0M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$276.6M +4.4% YoY +1.2% QoQ	+$20.8M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$562.7M +5.1% YoY +3.0% QoQ	+$234.7M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	85%
Return on Assets ?	0.64% +0.2% YoY -22.4% QoQ	-0.63%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	3.01% +6.3% YoY -2.5% QoQ	-0.92%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 11.7% in tier
Efficiency Ratio ?	81.58% +1.2% YoY +7.3% QoQ	+16.29%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 13.4% in tier
Delinquency Rate ?	0.18% -26.3% YoY +23.5% QoQ	-0.71%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	49.15% -0.6% YoY -1.8% QoQ	-27.49%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Top 8.7% in tier
Non-Interest-Bearing Deposit Share ?	26.62% +3.4% YoY +0.8% QoQ	+4.60%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.08% -27.6% YoY +21.9% QoQ	-0.55%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	73%
Tier 1 Capital Ratio ?	21.53% -1.6% YoY -0.7% QoQ	+5.69%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Top 10.7% in tier
Non-Interest Income / Assets ?	0.15% -8.0% YoY -77.6% QoQ	-0.13%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	73%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#98 of 414 • Bottom 23.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.58%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

234

Loan-to-Deposit Ratio

liquidity

Value: 49.15%

Peer Median: 76.64%

#234 of 2664 Top 8.7% in $100M-$1B

287

Tier 1 Capital Ratio

capital

Value: 21.53%

Peer Median: 15.83%

#287 of 2664 Top 10.7% in $100M-$1B

405

Total Deposits

size

Value: $562.72M

Peer Median: $327.97M

#405 of 2664 Top 15.2% in $100M-$1B

511

Total Assets

size

Value: $602.08M

Peer Median: $386.08M

#511 of 2664 Top 19.1% in $100M-$1B

Top Weaknesses (3 metrics)

2352

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.93%

#2352 of 2664 Bottom 11.7% in $100M-$1B

2307

Efficiency Ratio

profitability

Value: 81.58%

Peer Median: 65.29%

#2307 of 2664 Bottom 13.4% in $100M-$1B

2183

Return on Assets

profitability

Value: 0.64%

Peer Median: 1.27%

#2183 of 2664 Bottom 18.1% in $100M-$1B