APPLE RIVER STATE BANK

APPLE RIVER, IL | Medium | Est. Jan. 5, 1948, midnight | FDIC #17453 | RSSD #594938 | FDIC
Latest Report: 2025-12-31

APPLE RIVER STATE BANK is amn medium FDIC-insured commercial bank headquartered in APPLE RIVER, IL, established in Jan. 5, 1948, midnight. As of 2025-12-31, the bank reported total assets of $639M and total deposits of $521M. Profitability stands at 1.38% ROA and 17.77% ROE, with a net interest margin of 3.27%. The bank's CET1 capital ratio is 14.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.68%. FDIC Certificate #17453.

Assets

$639M

Deposits

$521M

Loans

$391M

Equity

$50M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 17.77%
Net Interest Margin (NIM) 3.27%
Yield on Assets 5.37%
Cost of Funds 2.22%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.68%
NPA Ratio 0.14%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 14.20%
Tier 1 Capital 14.20%
Total Capital Ratio 15.09%
Leverage Ratio 9.30%
Loan-to-Deposit 75.06%

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