Apple Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.04 percentage points lower than in Q1 2026, at 436.70%. Within New York, Apple Bank is 52nd of 105 on loan-to-deposit ratio, 85.61% as of Q2 2026. At 85.61%, Apple Bank's loan-to-deposit ratio is close to the 86.87% median for banks in the $10B-100B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.81B |
| Net loans and leases | $13.76B |
| Loans held for sale | $0 |
| Loans to total assets | 69.44% |
| Loan-to-deposit ratio | 85.61% |
| Net loans to equity capital | 8.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.98% |
| Multifamily (5+ residential) | 31.39% |
| Commercial and industrial | 19.08% |
| Consumer | 0.91% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.04% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 436.70% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.08% |
| Interest income on loans | $168.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $11.62B | $15.01B | 20.42% | 30.62% | 0.78% |
| Q4 2023 | $11.67B | $14.83B | 20.12% | 29.42% | 0.77% |
| Q1 2024 | $11.58B | $14.81B | 20.63% | 29.04% | 0.82% |
| Q2 2024 | $11.78B | $14.55B | 20.57% | 27.76% | 0.85% |
| Q3 2024 | $11.83B | $14.23B | 20.46% | 26.80% | 0.90% |
| Q4 2024 | $12.17B | $14.48B | 19.39% | 25.99% | 0.91% |
| Q1 2025 | $12.61B | $14.87B | 18.93% | 25.03% | 0.89% |
| Q2 2025 | $12.95B | $14.68B | 18.56% | 23.94% | 0.88% |
| Q3 2025 | $13.18B | $15.41B | 18.83% | 21.89% | 0.88% |
| Q4 2025 | $13.34B | $15.71B | 19.15% | 21.73% | 0.89% |
| Q1 2026 | $13.41B | $15.78B | 18.75% | 21.18% | 0.91% |
| Q2 2026 | $13.81B | $16.13B | 17.98% | 19.08% | 0.91% |
Apple Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Apple Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Apple Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16068) · FFIEC NIC profile (RSSD 249612)