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
Unfavorable gap of $7.4M · efficiency ratio beats 65% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.62% | 1.02% | 1.39% | Beats 70% | 21 / 71 | |
| Return on Equity | 14.66% | 5.62% | 10.07% | 13.60% | Beats 80% | 14 / 71 | |
| Net Interest Margin | 4.69% | 2.93% | 3.56% | 4.07% | Beats 94% | 4 / 71 | |
| Efficiency Ratio | 61.36% | 55.94% | 70.77% | 78.80% | Beats 65% | 26 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.27% | 0.97% | Beats 100% | 9 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 60% | 28 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 9.17% | 11.18% | 13.77% | 20.34% | Beats 1% | 70 / 71 | |
| Total Risk-Based Capital Ratio | 9.17% | 12.08% | 14.34% | 21.24% | Beats 1% | 70 / 71 | |
| Equity / Assets | 8.76% | 8.41% | 10.74% | 13.32% | Beats 27% | 52 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 95.61% | 64.48% | 76.81% | 87.49% | 85th pctl | 10 / 68 | |
| Loans / Assets | 85.99% | 55.33% | 65.58% | 72.51% | 93rd pctl | 5 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |