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Apollo Trust Company

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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

Apollo Trust Company is an FDIC-insured commercial bank headquartered in Apollo, PA, established in 1871 (FDIC certificate 6051), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $209.4M, up 1.3% from Q2 2025, the 92nd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 17.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Charter
Commercial bank
Regulator
Federal Reserve
Deposit insurance
FDIC
FDIC certificate
6051
Headquarters
Apollo, PA
Established
1871
Total assets, Q2 2026
$209.4M
Assets vs Q2 2025
+1.3%
CET1 ratio, Q2 2026
17.96%
Domestic offices
6 FDIC institution directory, current count
Routing number
043308426
Holding company
APOLLO BANCORP, INC.
Asset rank in state
92nd of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.

By total assets at Q2 2026, Apollo Trust Company is the 92nd largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $209.4M, loans fell 0.4% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 74.9% of total loans, ahead of multifamily loans at 8.4%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in PA; its Apollo 3 offices book 61% of its branch deposits. By the capital ratios in its Q2 2026 call report, Apollo Trust Company meets every capital ratio test for well capitalized.

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
Domestic offices
6 FDIC institution directory, current count
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

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures

Quarterly trends

Apollo Trust Company's total assets moved between a low of $196.7M (Q3 2023) and a high of $210.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$209.4M total assets against $206.8M; $187.2M total liabilities against $186.1M.

Loans and leases against deposits

$182.2M net loans and leases against $178.4M; $150.1M total deposits against $147.1M.

Securities and cash

$10.1M securities against $10.8M; $3.9M cash and balances due against $3.1M.

Interest income against interest expense

$2.6M total interest income against $2.5M; $418K total interest expense against $507K.

Net interest income

$2.2M net interest income against $2.0M.

Noninterest income against noninterest expense

$374K total noninterest income against $375K; $1.8M total noninterest expense against $1.7M.

Provision for credit losses

$15K provision for credit losses against $32K.

Net income

$631K net income against $509K.

Return on assets and net interest margin

1.21% return on assets against 0.99%; 4.83% net interest margin against 4.40%.

CET1 and Tier 1 leverage ratios

17.96% CET1 capital ratio against 16.94%; 11.05% tier 1 leverage ratio against 10.64%.

Inside the full Apollo Trust Company terminal

21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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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.

Quarterly trend: last 8 quarters

From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q3 2024) to 1.51% (Q4 2024) and its net interest margin ran from 4.02% (Q1 2025) to 4.83% (Q2 2026).

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

View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

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

Facts as filed or published, not a rating.

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 145 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.
Not on file
SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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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.

Where is Apollo Trust Company headquartered?

It is headquartered in Apollo, PA, United States.

When was Apollo Trust Company founded?

It was established in 1871, per the FDIC institution directory.

Is Apollo Trust Company FDIC-insured?

Yes. It 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.

What is Apollo Trust Company's CET1 capital ratio?

It 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?

It 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?

Its Texas Ratio is 2.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

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