The Andover Bank
Andover, OH
IDRSSD: 27614
Total Assets
$586.99M
Latest filing
Total Deposits
$546.07M
Latest filing
Net Interest Margin
3.23%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
041208719ANDOVER, OH
Key People
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Locations
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Main Office
The Andover Bank
19 Public Sq
Andover, OH 44003
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/01/1884FDIC Certificate 6839
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Andover Bank (Main) | 19 Public Sq | Andover, OH |
| EDINBORO BRANCH | 212 W Plum St | Edinboro, PA |
| AUSTINBURG BRANCH | 1853 State Route 45 | Austinburg, OH |
| GENEVA BRANCH | 665 S Broadway | Geneva, OH |
| JEFFERSON BRANCH | 150 N Chestnut St | Jefferson, OH |
| CONNEAUT BRANCH | 339 State St | Conneaut, OH |
| MILLCREEK BRANCH | 2420 Zimmerly Rd | Erie, PA |
| ASHTABULA BRANCH | 1630 W 19th St | Ashtabula, OH |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 11/01/1884 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 44003 |
| State and County Number | 39007 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Ashtabula, OH |
Operational Info
| Number of Employees | 90 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.andover.bank |
| Data Updated | 01/30/2026 |
| CERT | 10663 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $586.99M |
| Total Deposits | $546.07M |
| Total Liabilities | $549.70M |
| Total Equity Capital | $37.30M |
| Net Income | $1.13M |
| Net Loans and Leases | $273.21M |
| Assets Per Employee ($Millions) | $6.24M |
| Bank Premises and Fixed Assets | $7.03M |
| Cash and Balances due from Depository Institutions | $28.06M |
| Deposits Held in Domestic Offices | $546.07M |
Key Performance Ratios
| Return on Assets (ROA) | 0.77% |
| Return on Equity (ROE) | 12.64% |
| Net Interest Margin | 3.23% |
| Efficiency Ratio | 78.57% |
| Tier 1 Risk-Based Capital Ratio | 21.667% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.354% |
| Earning Assets to total Assets | 93.64% |
Income and Expense
| Total Interest Income | $5.86M |
| Total Noninterest Income | $992.00k |
| Total Interest Expense | $1.44M |
| Total Noninterest Expense | $4.26M |
| Net Interest Income | $4.43M |
| Pre-tax Net Operating Income | $1.16M |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.63M |
| Total Liabilities and Capital | $586.99M |
Securities
| Securities | $256.33M |
| Available-for-sale debt securities | $256.33M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Andover Bank?
$586.99M as of the latest filing.
How much are The Andover Bank's total deposits?
$546.07M in total deposits.
Where is The Andover Bank located?
Andover, OH.
What is the Net Interest Margin?
3.23%.
How many domestic offices does it operate?
10.
When was it established?
11/01/1884.
What is the Return on Assets (ROA)?
0.77%.
How much are total loans and leases?
$273.21M (latest filing).
What is the total interest income (latest filing)?
$5.86M.