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Andover State Bank

IDRSSD: 225054
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q4QoQ -12

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #225054 2025-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.05% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.01%.

What changed this quarter

Compared to Q3 2025:
↓ -12 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -50

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 4.4%, loans/deposits 90.8%, cash 1.0% of assets.

Cash / Assets
1.05%
Loans / Deposits
90.80%
Brokered %
4.38%

Watch Items

  • watchCash / Assets below 3% — Cash 1.05% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.30%
No watch items at this period.

Capitalization

WatchQoQ -2
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.26%, CET1 10.00%, leverage 8.99%.

Tier 1 RBC
10.26%
CET1
10.00%
Leverage
8.99%
No watch items at this period.

Asset Quality

StableQoQ -16
79
Sub-score

Asset quality is stable: Adjusted NPL 1.92%, Texas Ratio 16.5%, NCO YTD 0.00%.

Adjusted NPL
1.92%
Govt-guarantees stripped
Texas Ratio
16.5%
NCO YTD
0.00%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
1.01%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.01%.

Reserves

RiskQoQ -50
38
Sub-score

Reserves are weak: ALLL 1.20% of loans, coverage 63.1%, true coverage 54.5%.

ALLL / Loans
1.20%
Coverage
63.1%
True Loss Coverage
54.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 02:31:53 UTC