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Apollo Trust Company: Financial Reports & UBPR Data

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Apollo, PA $100M to $1B in assets Est. May 27, 1871 FDIC #6051 RSSD #368522 Routing #043308426 Federal Reserve

Data as of · sourced from FFIEC call reports. How we update

Assets
$209.4M
Deposits
$150.1M
Loans
$183.7M
Equity
$22.2M

Apollo Trust Company, based in Apollo, Pennsylvania, reported $209 million in assets at June 30, 2026, up 1.3% from a year earlier. It pays an average of 0.93% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.83 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).

Net income for the quarter rose 24% from a year earlier, to $631,000. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.29% of loans, against 0.07% a year earlier.

As of June 30, 2026, Apollo Trust Company reported a CET1 capital ratio of 17.96%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.26%, according to its call report filed with the FFIEC.

Headquarters Profile

Address
201 N Warren Ave, Apollo, PA 15613
County
Armstrong
Metro Area
Pittsburgh, PA
Charter
Commercial bank, state charter, Fed member, FRB-supervised
Primary Regulator
Federal Reserve
FDIC Region
New York (Region 2)
Federal Reserve member
Yes
Federal Reserve district
District 4, Cleveland
Fiduciary (trust) powers
Full trust powers granted
Call Report form
FFIEC 051
Established
May 27, 1871
Offices
6 domestic
Employees (FTE)
39
Domestic deposits
$150.1M
Allowance for credit losses
$1.5M
Net charge-offs (YTD)
$4K
Average total assets
$209.0M
Average total loans
$171.5M
Average interest-bearing deposits
$80.4M
Tax status
C corporation
Ownership
Stock
Community bank
Yes
FDIC-insured since
January 1, 1934
FDIC Cert
6051
Fed RSSD
368522

Profitability

Q2 annualized
Return on Assets1.21%YTD 1.15%
Return on Equity11.44%YTD 11.05%
Net Interest Margin4.83%YTD 4.64%

Balance Sheet

Total liabilities$187.2M
Cash & balances due$3.9M
Securities, available-for-sale$10.1M
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2$631K
Net interest income YTD$4.3M
Total interest income YTD$5.2M
Total interest expense YTD$902K
Provision for credit losses YTD-$4K

Operating & Funding

Total noninterest income YTD$730K
Total noninterest expense YTD$3.5M

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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.

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.

Total assets and total liabilities

Balances at each quarter end. The gap between the two lines is equity capital.

Loans and leases against deposits

Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.

Securities and cash

Balances at each quarter end. Each line is its own balance, not stacked on the other.

Interest income against interest expense

Each bar is that quarter alone. The gap between the two is net interest income.

Net interest income

What the balance sheet earned on spread that quarter, before fees and operating costs.

Noninterest income against noninterest expense

Fees, trading and other income against salaries, premises and the rest of the cost base.

Provision for credit losses

What the bank charged to earnings that quarter to build its allowance for expected losses.

Net income

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.

Return on assets and net interest margin
CET1 and Tier 1 leverage ratios

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.

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Watch 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.

Loan-to-Deposit at 122.4%, loans exceed deposit base BRR analysis What does this mean? →

Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.

Apollo Trust Company 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 17.96% 1.21% 0.29% 2.26% 4.83%
Q1 2026 17.52% 1.10% 0.32% 2.49% 4.46%
Q4 2025 17.43% 1.05% 0.03% 0.20% 4.39%
Q3 2025 17.02% 1.14% 0.03% 0.20% 4.59%
Q2 2025 16.94% 0.99% 0.07% 0.60% 4.40%
Q1 2025 16.97% 0.93% 0.03% 0.22% 4.02%
Q4 2024 17.25% 1.51% 0.12% 1.01% 4.24%
Q3 2024 16.87% 0.87% 0.21% 1.70% 4.24%

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 6 branches →

1–6 of 6
Branch Location ZIP Deposits
Apollo Trust Company (main office) Apollo , PA 15613 $66.8M
Allegheny Township Branch Leechburg , PA 15656 $34.0M
North Washington Branch Apollo , PA 15613 $21.1M
North Apollo Branch North Apollo , PA 15673 $17.9M
Spring Church Branch Spring Church , PA 15686 $6.1M
Apollo Drive-In Facility Apollo , PA 15613 $4.2M

Regulatory record

What the public regulatory sources show for Apollo Trust Company, 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
None against the institution on file; 1 against individuals associated with it
Period: Most recent action August 8, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
Deposit market share
<0.1% of deposits in PA, rank 118 of 148 institutions
Period: June 30, 2026. Source: FDIC Summary of Deposits.
Mortgage lending (HMDA)
90 applications, 76 loans originated, $16.6M originated, across 1 states
Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
SBA 7(a) lending
Not on file: no SBA 7(a) loans matched
Period: not on file. 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.

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Apollo Trust Company: regulatory capital profile · BankRegReports

Frequently asked about Apollo Trust Company

What are Apollo Trust Company's total assets?

As of the Q2 2026 filing, Apollo Trust Company reported total assets of $209.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is Apollo Trust Company headquartered?

Apollo Trust Company is headquartered in Apollo, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.

When was Apollo Trust Company founded?

Apollo Trust Company was established in 1871, per the FDIC institution directory.

Is Apollo Trust Company FDIC-insured?

Yes. Apollo Trust Company is an FDIC-insured commercial bank (FDIC Certificate #6051). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Apollo Trust Company?

Apollo Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

What is Apollo Trust Company's CET1 capital ratio?

Apollo Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 17.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.

How many branches does Apollo Trust Company operate?

Apollo Trust Company operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

What is Apollo Trust Company's Texas Ratio?

Apollo Trust Company's Texas Ratio is 2.26% 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.

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