Applied Bank

Wilmington, DE · Cert 34193 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

State charter, non-member · FDIC · 2 branches

Q2 2026

$274.1MAssets

$55.6MLoans

$228.6MDeposits

$44.5MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 27).
Widest gap: equity / assets trails 39% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 12 of 31).
Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.02%

Rank 9 of 31

Net Interest Margin

3.95%

Rank 6 of 31

Efficiency Ratio

42.34%

Rank 5 of 31

Equity / Assets

16.25%

Rank 12 of 31

Unfavorable gap of $3.1M · efficiency ratio beats 87% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	2.02%	0.63%	0.93%	2.39%	Beats 71%	9 / 31
Return on Equity	12.46%	4.15%	7.07%	14.29%	Beats 71%	9 / 31
Net Interest Margin	3.95%	2.72%	3.26%	3.84%	Beats 81%	6 / 31
Efficiency Ratio	42.34%	49.04%	63.83%	80.34%	Beats 87%	5 / 31
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.24%	1.22%	Beats 100%	7 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.01%	Beats 100%	16 / 27
Capital
Tier 1 Capital Ratio	78.16%	13.01%	19.43%	42.39%	Beats 84%	5 / 31
Total Risk-Based Capital Ratio	78.67%	13.95%	20.55%	43.38%	Beats 84%	5 / 31
Equity / Assets	16.25%	9.21%	12.36%	21.28%	Beats 61%	12 / 31
Liquidity & Funding
Loans / Deposits	24.33%	52.41%	83.15%	99.86%	16th pctl	26 / 31
Loans / Assets	20.29%	37.80%	67.87%	79.23%	16th pctl	26 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution