Apple Bank

New York, NY · Cert 16068 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Apple Financial Holdings Inc.

SI · FDIC · 79 branches

Q2 2026

$19.9BAssets

$13.8BLoans

$16.1BDeposits

$1.6BEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 73% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 15).
Widest gap: total risk-based capital ratio trails 100% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 15 of 15).
Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.39%

Rank 14 of 15

Net Interest Margin

2.16%

Rank 10 of 15

Efficiency Ratio

80.24%

Rank 14 of 15

Equity / Assets

8.06%

Rank 12 of 15

Non-interest income vs. expense

Unfavorable gap of $333.5M · efficiency ratio beats 13% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.39%	0.74%	0.98%	1.14%	Beats 7%	14 / 15
Return on Equity	4.78%	5.21%	8.81%	10.53%	Beats 13%	13 / 15
Net Interest Margin	2.16%	1.76%	2.56%	3.09%	Beats 33%	10 / 15
Efficiency Ratio	80.24%	49.33%	55.36%	65.80%	Beats 13%	14 / 15
Asset Quality
Nonperforming Loans / Loans	0.44%	0.39%	0.66%	0.92%	Beats 73%	5 / 15
Net Charge-Offs / Loans	0.02%	0.01%	0.03%	0.10%	Beats 67%	6 / 15
Capital
Tier 1 Capital Ratio	11.68%	12.31%	14.32%	17.39%	Beats 0%	15 / 15
Total Risk-Based Capital Ratio	12.12%	13.34%	14.76%	19.29%	Beats 0%	15 / 15
Equity / Assets	8.06%	8.06%	10.22%	12.59%	Beats 20%	12 / 15
Liquidity & Funding
Loans / Deposits	85.61%	52.62%	85.61%	96.57%	47th pctl	8 / 15
Loans / Assets	69.44%	32.81%	69.81%	78.17%	40th pctl	9 / 15
Brokered Deposits / Deposits	n/a	Not reported for this institution