Apple Bank
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Data as of · sourced from FFIEC call reports. How we update
Apple Bank is an FDIC-insured savings bank headquartered in New York, NY, established in 1863 (FDIC certificate 16068), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $19.89B, up 8.4% from Q2 2025, the 7th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 11.68% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16068
- Headquarters
- New York, NY
- Established
- 1863
- Total assets, Q2 2026
- $19.89B
- Assets vs Q2 2025
- +8.4%
- CET1 ratio, Q2 2026
- 11.68%
- Domestic offices
- 79 FDIC institution directory, current count
- Routing number
- 226070584
- Latest call report
- Q2 2026, FFIEC 041 · Apple Bank call report
- Holding company
- APPLE FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 7th of 105 in New York
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 0.44% and a Texas ratio of 4.39%. The figures come from its call report filed with the FFIEC.
Apple Bank ranks as the 7th largest of the 105 banks based in New York, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $19.89B, loans rose 3.0% and deposits rose 2.2%. Its loan book on June 30, 2026 was led by multifamily loans, at 31.4% of total loans, followed by loans to nondepository financial institutions at 27.6%. Its 79 offices in the FDIC Summary of Deposits are in 41 cities across 2 states; its New York 13 offices book 38% of its branch deposits. Judged on its Q2 2026 call report, Apple Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 79 FDIC institution directory, current count
- 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
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
From Q3 2023 to Q2 2026, Apple Bank's total assets ranged from $16.87B (Q3 2023) to $19.89B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$19.89B total assets against $18.35B; $18.28B total liabilities against $16.80B.
$13.76B net loans and leases against $12.89B; $16.13B total deposits against $14.68B.
$4.16B securities against $3.54B; $744.8M cash and balances due against $708.9M.
$225.7M total interest income against $215.5M; $117.5M total interest expense against $117.3M.
$108.1M net interest income against $98.1M.
$5.9M total noninterest income against $13.9M; $89.0M total noninterest expense against $87.8M.
-$9.3M provision for credit losses against $6.6M.
$25.3M net income against $13.3M.
0.51% return on assets against 0.29%; 2.29% net interest margin against 2.26%.
11.68% CET1 capital ratio against 11.22%; 7.74% tier 1 leverage ratio against 8.11%.
Inside the full Apple Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 104 of 4,196, for total assets; its furthest is 3,228 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.24% (Q1 2025) to 0.51% (Q2 2026) and its net interest margin ran from 2.11% (Q1 2025) to 2.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.68% | 0.51% | 0.44% | 4.39% | 2.29% |
| Q1 2026 | 11.55% | 0.27% | 0.50% | 4.93% | 2.24% |
| Q4 2025 | 11.30% | 0.51% | 0.54% | 5.23% | 2.27% |
| Q3 2025 | 11.52% | 0.32% | 0.69% | 6.69% | 2.20% |
| Q2 2025 | 11.22% | 0.29% | 0.70% | 6.77% | 2.26% |
| Q1 2025 | 11.45% | 0.24% | 0.76% | 7.31% | 2.11% |
| Q4 2024 | 11.81% | 0.31% | 0.84% | 7.92% | 2.18% |
| Q3 2024 | 11.93% | 0.32% | 0.86% | 7.83% | 2.26% |
Swipe the table sideways to see every column.
Branch Network
View all 79 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.
| 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 | Structure Change | Acquired Sag Harbor Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in NY, rank 19 of 176 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).
- Not on file
- Enforcement actions, 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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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.
Where is Apple Bank headquartered?
It is headquartered in New York, NY, United States.
When was Apple Bank founded?
It was established in 1863, per the FDIC institution directory.
Is Apple Bank FDIC-insured?
Yes. It 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.
What is Apple Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.39% 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.
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.
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