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Apple Creek Banking Company, The

Apple Creek, OH · Cert 737 · Apple Creek Banc Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Apple Creek Banking Company, The

Apple Creek, OH · Cert 737 · Apple Creek Banc Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$270.6MAssets
$232.7MLoans
$243.4MDeposits
$23.7MEquity
Loan mix
78%RE $175.9M15%C&I $34.7M6%Consumer $14.2MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $175.5M28%Noninterest $67.8MQ2 2025Q2 2026

NIM

5.04%Q2 ’245.44%Q2 ’255.80%Q2 ’26+18%+9%

Non-interest income vs. expense

2.78%Q2 ’242.95%Q2 ’253.01%Q2 ’26+6%+1%

Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 0.3% share · #17 of 18 inst. · $0.0B of $10.7B

6.0% Wayne
0.3% Stark
0.1% Summit

Executive Summary

  • Earnings: ROA of 1.32%, up 15 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.17%, up 53 bps from a year ago.
  • Funding: loans stand at 95.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.69%+40 bps YoY

Efficiency Ratio (YTD, annualized)

61.36%-464 bps YoY

Tier 1 Leverage Ratio

9.17%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.12%1.12%1.38%1.32%+15 bps
Return on Equity14.87%14.10%13.79%15.56%14.92%+5 bps
Net Interest Margin4.28%4.32%4.35%4.73%4.69%+40 bps
Efficiency Ratio65.99%64.66%63.15%61.59%61.36%-464 bps
Non-Interest Burden2.76%2.72%2.67%2.82%2.79%+3 bps
Growth
Asset Growth (YoY)1.27%2.80%1.48%1.87%4.87%+360 bps
Loan Growth (YoY)10.88%9.30%8.32%6.64%8.17%-271 bps
Deposit Growth (YoY)3.09%0.20%0.16%-0.30%3.21%+12 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.87%0.86%0.88%0.88%0.90%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.64%8.88%8.84%9.34%9.17%+53 bps
Total Risk-Based Capital11.61%11.61%11.62%11.96%9.17%-244 bps
Equity / Assets8.09%8.30%8.71%9.01%8.76%+68 bps
Liquidity & Funding
Loans / Deposits91.23%93.79%95.23%96.91%95.61%+438 bps
Liquid Assets / Assets1.56%1.25%1.35%1.42%1.02%-54 bps
CRE / Total Capitaln/a339%353%343%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Apple Creek Banking Company, The

Apple Creek, OH · Cert 737 · Peer group: banks under $1B in assets in OH (n=68-71) · Apple Creek Banc Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$270.6MAssets
$232.7MLoans
$243.4MDeposits
$23.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OH (rank 9 of 68).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in OH (rank 70 of 71).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.28%

Rank 21 of 71

Net Interest Margin

4.69%

Rank 4 of 71

Efficiency Ratio

61.36%

Rank 26 of 71

Equity / Assets

8.76%

Rank 52 of 71

Non-interest income vs. expense

$0.6M$8.0MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 65% of banks under $1B in assets in OH
Bank 61.36%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.62%1.02%1.39%Beats 70%21 / 71
Return on Equity14.66%5.62%10.07%13.60%Beats 80%14 / 71
Net Interest Margin4.69%2.93%3.56%4.07%Beats 94%4 / 71
Efficiency Ratio61.36%55.94%70.77%78.80%Beats 65%26 / 71
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.27%0.97%Beats 100%9 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 60%28 / 68
Capital
Tier 1 Capital Ratio9.17%11.18%13.77%20.34%Beats 1%70 / 71
Total Risk-Based Capital Ratio9.17%12.08%14.34%21.24%Beats 1%70 / 71
Equity / Assets8.76%8.41%10.74%13.32%Beats 27%52 / 71
Liquidity & Funding
Loans / Deposits95.61%64.48%76.81%87.49%85th pctl10 / 68
Loans / Assets85.99%55.33%65.58%72.51%93rd pctl5 / 71
Brokered Deposits / Depositsn/aNot reported for this institution