New York, NY · Cert 16068 · Apple Financial Holdings Inc.
SI · FDIC · 79 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.6% share · #22 of 151 inst. · $16.1B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.32% | 0.24% | 0.29% | 0.32% | 0.51% | 0.27% | 0.52% | +22 bps | |
| Return on Equity | 3.74% | 3.63% | 2.81% | 3.47% | 3.80% | 6.15% | 3.30% | 6.36% | +289 bps | |
| Net Interest Margin | 2.17% | 2.10% | 2.03% | 2.17% | 2.12% | 2.19% | 2.17% | 2.22% | +5 bps | |
| Efficiency Ratio | 81.47% | 89.07% | 83.52% | 78.38% | 82.21% | 73.08% | 82.53% | 78.03% | -35 bps | |
| Non-Interest Burden | 1.70% | 1.82% | 1.64% | 1.62% | 1.69% | 1.45% | 1.74% | 1.69% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 2.85% | 5.82% | 7.79% | 10.26% | 10.08% | 7.17% | 8.40% | +61 bps | |
| Loan Growth (YoY) | 1.87% | 4.27% | 8.87% | 10.00% | 11.38% | 9.56% | 6.35% | 6.61% | -339 bps | |
| Deposit Growth (YoY) | -5.18% | -2.40% | 0.43% | 0.91% | 8.23% | 8.52% | 6.11% | 9.89% | +898 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.86% | 0.84% | 0.76% | 0.70% | 0.69% | 0.54% | 0.50% | 0.44% | -26 bps | |
| Net Charge-Offs / Loans | 0.32% | 0.05% | 0.05% | 0.04% | 0.04% | 0.12% | 0.03% | 0.06% | +2 bps | |
| Allowance / Loans | 0.59% | 0.49% | 0.49% | 0.52% | 0.50% | 0.48% | 0.48% | 0.39% | -13 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.6x | 0.7x | 0.7x | 0.9x | 1.0x | 0.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.42% | 8.43% | 8.25% | 8.11% | 8.00% | 7.80% | 7.82% | 7.74% | -37 bps | |
| Total Risk-Based Capital | 12.53% | 12.33% | 11.96% | 11.76% | 12.05% | 11.80% | 12.07% | 12.12% | +36 bps | |
| Equity / Assets | 8.85% | 8.60% | 8.52% | 8.43% | 8.35% | 8.20% | 8.20% | 8.06% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.14% | 84.09% | 84.77% | 88.25% | 85.55% | 84.90% | 84.96% | 85.61% | -264 bps | |
| Liquid Assets / Assets | 5.71% | 5.61% | 5.62% | 5.85% | 5.71% | 5.97% | 5.25% | 5.42% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 459% | 464% | 460% | n/a | n/a | |