$19.2B
+7.2%y/y
Percentile by value32nd percentileby value
FDIC
ASSETAB
Apple Bank
New York, New YorkFDIC Cert #16068
STATEEstablished 186382 branches
Holding company: APPLE FINANCIAL HOLDINGS INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportApple Bank reported $19.2B in total assets. Deposits grew 6.11% over the prior year.
Return on assets was 0.27%, compared with an asset-peer median of 1.19%. The leverage ratio was 7.82%.
- Why is CRE Concentration to Capital above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$15.8B
+6.1%y/y
Percentile by value33rd percentileby value
FDIC
DEP$13.3B
+6.4%y/y
Percentile by value35th percentileby value
FDIC
LNLSNET0.27%
+3 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA82.53%
−99 bpsy/y
Peer standing3rd percentile
FDIC
NONIX + NIM + NONII + EEFFR7.82%
−43 bpsy/y
Peer standing13th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $16B | $14.4B |
| Q3 2021 | $16.1B | $14.1B |
| Q4 2021 | $16.1B | $14B |
| Q1 2022 | $16.1B | $14.1B |
| Q2 2022 | $16.4B | $14.3B |
| Q3 2022 | $16.8B | $15.1B |
| Q4 2022 | $16.8B | $15.1B |
| Q1 2023 | $16.9B | $15.1B |
| Q2 2023 | $16.8B | $15.1B |
| Q3 2023 | $16.9B | $15B |
| Q4 2023 | $17B | $14.8B |
| Q1 2024 | $17B | $14.8B |
| Q2 2024 | $17B | $14.5B |
| Q3 2024 | $17.1B | $14.2B |
| Q4 2024 | $17.5B | $14.5B |
| Q1 2025 | $17.9B | $14.9B |
| Q2 2025 | $18.3B | $14.7B |
| Q3 2025 | $18.8B | $15.4B |
| Q4 2025 | $19.2B | $15.7B |
| Q1 2026 | $19.2B | $15.8B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $110K |
| Investor CRE | $2.52B |
| Multifamily | $4.32B |
| Construction | $0 |
| 1–4 family | $30.1M |
| C&I | $2.84B |
| Agriculture | $0 |
| Other | $3.71B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.27%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE3.30%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY2.27%15th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR82.53%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+6.11%56th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+6.36%47th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.61%59th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ7.82%13th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.15%31st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC440%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.27%16th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.97%90th 2.02%Observations 116
ROE
FDIC
NETINC + ROE3.30%24th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.07%Median 7.55%90th 15.10%Observations 116
NIM
FDIC
NIM + NIMY2.27%23rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.54%Median 3.39%90th 4.44%Observations 129
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR82.53%24th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.52%Median 69.06%90th 93.95%Observations 116
Deposits YoY
FDIC
DEP+6.11%70th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.15%Median +2.83%90th +13.50%Observations 121
Loans YoY
FDIC
LNLSNET+6.36%65th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.50%Median +4.22%90th +22.03%Observations 118
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.61%56th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.70%90th 2.49%Observations 118
Leverage
FDIC
RBC1AAJ7.82%13th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 4.90%Median 10.71%90th 25.91%Observations 129
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.15%31st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.15%Median 2.43%90th 3.81%Observations 108
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC440%97th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 168%90th 371%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.27%8th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 0.99%90th 1.26%Observations 13
ROE
FDIC
NETINC + ROE3.30%8th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.35%Median 8.90%90th 15.58%Observations 13
NIM
FDIC
NIM + NIMY2.27%61st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.00%Median 2.08%90th 3.52%Observations 19
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR82.53%8th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.47%Median 58.08%90th 79.47%Observations 13
Deposits YoY
FDIC
DEP+6.11%39th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.22%Median +8.32%90th +26.22%Observations 19
Loans YoY
FDIC
LNLSNET+6.36%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.39%Median +10.96%90th +33.38%Observations 19
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.61%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.61%90th 1.67%Observations 19
Leverage
FDIC
RBC1AAJ7.82%44th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 0.00%Median 7.91%90th 10.87%Observations 19
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.15%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 3.15%90th 4.47%Observations 13
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC440%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 25%Median 193%90th 370%Observations 13
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 82 branches
- Headquarters
- New York, NY
FDIC
OFFDOMOpen the New York dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data