Apple Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Apple Bank of New York, NY against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.51% | 1.34% | -0.83% | 5th bottom |
| ROAE | 6.36% | 12.25% | -5.89% | 11th bottom |
| Net Interest Margin | 2.29% | 3.68% | -1.39% | 6th bottom |
| Efficiency Ratio | 78.03% | 53.86% | +24.17% | 4th bottom |
| PPNR / Avg Assets | 0.51% | — | — | 2nd bottom |
| Yield on Earning Assets | 4.79% | 5.58% | -0.79% | 14th bottom |
| Cost of Funds | 2.65% | 1.99% | +0.66% | 17th bottom |
| Net Interest Spread | 1.88% | — | — | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.44% | 1.09% | -0.65% | 78th top |
| NPA / Total Assets | 0.31% | — | — | 75th top |
| NCO / Avg Loans | 0.06% | 0.36% | -0.30% | 73rd above |
| ACL / Total Loans | 0.39% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 89.19% | — | — | 15th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.39% | 5.43% | -1.04% | 47th below |
| Provision / NCO | -472.40% | — | — | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.68% | 14.50% | -2.82% | 12th bottom |
| Tier 1 Ratio | 11.68% | 14.60% | -2.92% | 11th bottom |
| Total Capital Ratio | 12.12% | — | — | 5th bottom |
| Leverage Ratio | 7.74% | 10.26% | -2.52% | 5th bottom |
| Equity / Assets | 8.06% | 11.55% | -3.49% | 10th bottom |
| TCE / Tangible Assets | 6.78% | — | — | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 85.61% | 83.97% | +1.64% | 55th above |
| Core Deposit Ratio | 80.07% | 86.78% | -6.71% | 18th bottom |
| Uninsured Deposit Ratio | 21.01% | 38.93% | -17.92% | 83rd top |
| Wholesale Funding Ratio | 9.22% | — | — | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.40% | — | — | 65th above |
| Loan Growth (Y/Y) | 6.61% | — | — | 52nd above |
| Deposit Growth (Y/Y) | 9.89% | — | — | 67th above |
See Apple Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Apple Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Apple Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Apple Bank peer analysis.