Apple Bank: Financial Reports & UBPR Data
BankRegReports is independent of Apple Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Apple Bank spends more to run itself than most banks of its size. Its balance sheet stood at $19.9 billion at June 30, 2026, up 8.4% from a year earlier; it is based in New York, New York. It earns about $0.51 a year on every $100 of assets, about a third the median of $1.32 for the 127 banks with $10 billion to $100 billion in assets. It also spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
Earnings jumped: net income for the quarter was $25 million, 90% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.44% of loans, down from 0.70% a year earlier. Its margin is thin by comparison: it keeps 2.29 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.63 cents).
As of June 30, 2026, Apple Bank reported a CET1 capital ratio of 11.68%, a return on assets of 0.51%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 4.39%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 122 E 42nd St, New York, NY 10168
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 17, 1863
- Former names
- Apple Bank for Savings (2018-2023)
- Offices
- 79 domestic
- Employees (FTE)
- 1,260
- Domestic deposits
- $16.13B
- Allowance for credit losses
- $54.1M
- Net charge-offs (YTD)
- $3.0M
- Average total assets
- $19.71B
- Average total loans
- $13.29B
- Average interest-bearing deposits
- $14.65B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 16068
- Fed RSSD
- 249612
- Website
- www.applebank.com →
- Parent Holding Company
- APPLE FINANCIAL HOLDINGS, INC. (RSSD 3446412)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Apple Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Apple Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Apple Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.68% | 0.51% | 0.42% | 4.39% | 2.29% |
| Q1 2026 | 11.55% | 0.27% | 0.51% | 4.93% | 2.24% |
| Q4 2025 | 11.30% | 0.51% | 0.54% | 5.23% | 2.27% |
| Q3 2025 | 11.52% | 0.32% | 0.70% | 6.69% | 2.20% |
| Q2 2025 | 11.22% | 0.29% | 0.71% | 6.77% | 2.26% |
| Q1 2025 | 11.45% | 0.24% | 0.77% | 7.31% | 2.11% |
| Q4 2024 | 11.81% | 0.31% | 0.85% | 7.92% | 2.18% |
| Q3 2024 | 11.93% | 0.32% | 0.88% | 7.83% | 2.26% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 79 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Apple Bank (main office) | New York , NY | 10168 | $4.05B |
| 73rd Street | New York , NY | 10023 | $337.5M |
| Scarsdale Branch | Scarsdale , NY | 10583 | $325.9M |
| Mohegan Lake Branch | Mohegan Lake , NY | 10547 | $321.2M |
| Manhasset Branch | Manhasset , NY | 11030 | $292.2M |
| Co-Op City Branch | Bronx , NY | 10475 | $289.6M |
| Yorkville Branch | New York , NY | 10028 | $287.4M |
| Thornwood Branch | Thornwood , NY | 10594 | $283.4M |
| Forest Hills Branch | Rego Park , NY | 11374 | $274.0M |
| Bethpage Branch | Bethpage , NY | 11714 | $270.5M |
| Plainview Branch | Plainview , NY | 11803 | $265.7M |
| Staten Island Branch | Staten Island , NY | 10306 | $265.3M |
| Www.Theapplebank.Com Branch | Manhasset , NY | 11030 | $258.6M |
| Smithtown Branch | Smithtown Township , NY | 11787 | $250.2M |
| Twelve Street Branch | New York , NY | 10003 | $232.4M |
| Bronxville Branch | Bronxville , NY | 10708 | $215.8M |
| Parkchester Branch | Bronx , NY | 10472 | $209.9M |
| Long Beach Branch | Long Beach , NY | 11561 | $206.4M |
| East 64th Street Branch | New York , NY | 10065 | $206.4M |
| Westbury Branch | Westbury , NY | 11590 | $204.7M |
| Williamsburg Branch | Brooklyn , NY | 11211 | $201.5M |
| Avenue M Branch Office | Brooklyn , NY | 11230 | $194.3M |
| Flatbush Branch | Brooklyn , NY | 11234 | $185.1M |
| East Setauket Branch | East Setauket , NY | 11733 | $176.0M |
| 181st Street Branch | New York , NY | 10033 | $169.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 6, 1995 | Structure Change | Acquired American Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 31, 1994 | Structure Change | Acquired Apple Bancorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 1992 | Structure Change | Acquired Dollar DRY Dock Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1989 | Structure Change | Acquired Sag Harbor Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1987 | Structure Change | Acquired Eastern Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 1981 | Structure Change | Acquired Central Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 4, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Apple Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in NY, rank 19 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 239 applications, 30 loans originated, $126.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $160K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Apple Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Apple Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Apple Bank
What are Apple Bank's total assets?
As of the Q2 2026 filing, Apple Bank reported total assets of $19.89 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Apple Bank headquartered?
Apple Bank is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Apple Bank founded?
Apple Bank was established in 1863, per the FDIC institution directory.
Is Apple Bank FDIC-insured?
Yes. Apple Bank is an FDIC-insured savings bank (FDIC Certificate #16068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Apple Bank?
Apple Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Apple Bank's CET1 capital ratio?
Apple Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.68% in its Q2 2026 call report, above regulatory requirements.
How many branches does Apple Bank operate?
Apple Bank operates 79 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Apple Bank's Texas Ratio?
Apple Bank's Texas Ratio is 4.39% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Apple Bank previously called?
The charter now named Apple Bank has also operated as Apple Bank for Savings (2018-2023), per FDIC structure-change records.
Go deeper on Apple Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Apple Bank, freeFree account