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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

$270.6MAssets
$232.7MLoans
$243.4MDeposits
$23.7MEquity
Loan mix
78%RE $175.9M15%C&I $34.7M6%Consumer $14.2MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $175.5M28%Noninterest $67.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.01%1.16%1.17%1.12%1.12%1.38%1.32%+15 bps
Return on Equity12.64%14.20%14.94%14.87%14.10%13.79%15.56%14.92%+5 bps
Net Interest Margin3.69%3.77%4.26%4.28%4.32%4.35%4.73%4.69%+40 bps
Efficiency Ratio71.67%68.78%65.36%65.99%64.66%63.15%61.59%61.36%-464 bps
Non-Interest Burden2.59%2.53%2.71%2.76%2.72%2.67%2.82%2.79%+3 bps
Growth
Asset Growth (YoY)10.65%9.11%3.26%1.27%2.80%1.48%1.87%4.87%+360 bps
Loan Growth (YoY)9.23%9.89%9.12%10.88%9.30%8.32%6.64%8.17%-271 bps
Deposit Growth (YoY)23.13%21.15%5.42%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.85%0.85%0.87%0.87%0.86%0.88%0.88%0.90%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.14%8.10%8.58%8.64%8.88%8.84%9.34%9.17%+53 bps
Total Risk-Based Capital11.37%11.37%11.51%11.61%11.61%11.62%11.96%9.17%-244 bps
Equity / Assets7.31%7.55%7.93%8.09%8.30%8.71%9.01%8.76%+68 bps
Liquidity & Funding
Loans / Deposits85.98%88.06%90.60%91.23%93.79%95.23%96.91%95.61%+438 bps
Liquid Assets / Assets5.34%4.04%2.02%1.56%1.25%1.35%1.42%1.02%-54 bps
CRE / Total Capitaln/an/an/an/a339%353%343%n/an/a