The Apple Creek Banking Company
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Data as of · sourced from FFIEC call reports. How we update
The Apple Creek Banking Company is an FDIC-insured commercial bank headquartered in Apple Creek, OH, established in 1904 (FDIC certificate 737), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $270.6M, up 4.9% from Q2 2025, the 83rd largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 737
- Headquarters
- Apple Creek, OH
- Established
- 1904
- Total assets, Q2 2026
- $270.6M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 9.17%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 041208748
- Latest call report
- Q2 2026, FFIEC 041 · The Apple Creek Banking Company call report
- Holding company
- APPLE CREEK BANC CORP
- Asset rank in state
- 83rd of 154 in Ohio
The Apple Creek Banking Company earns an unusually wide margin on its lending. It reported $271 million in assets at June 30, 2026, up 4.9% from a year earlier. It keeps 4.98 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 11% from a year earlier, to $840,000. Over the same year, loans grew 8.2% and deposits grew 3.2%. Where it has less room is capital: it funds 9.17% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Apple Creek Banking Company reported a return on assets of 1.26%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Apple Creek Banking Company is the 83rd largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets rose 3.6% to $270.6M, loans rose 2.6% and deposits rose 4.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.1% of total loans, followed by owner-occupied commercial real estate loans at 16.9%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in OH; its Apple Creek office books 43% of its branch deposits. On its Q2 2026 call report, The Apple Creek Banking Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3 W Main St, Apple Creek, OH 44606
- County
- Wayne
- Metro Area
- Wooster, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 1, 1904
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $243.4M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $266.7M
- Average total loans
- $229.7M
- Average interest-bearing deposits
- $170.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 737
- Fed RSSD
- 213912
- Website
- www.applecreekbank.com →
- Parent Holding Company
- APPLE CREEK BANC CORP (RSSD 1248993)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Apple Creek Banking Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Apple Creek Banking Company's total assets ran between $232.6M (Q3 2023) and $270.6M (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
$270.6M total assets against $258.0M; $246.9M total liabilities against $237.2M.
$230.6M net loans and leases against $213.2M; $243.4M total deposits against $235.8M.
$21.5M securities against $25.0M; $7.9M cash and balances due against $8.8M.
$3.9M total interest income against $3.6M; $765K total interest expense against $749K.
$3.2M net interest income against $2.8M.
$144K total noninterest income against $122K; $2.0M total noninterest expense against $2.0M.
$140K provision for credit losses against $28K.
$840K net income against $760K.
1.26% return on assets against 1.17%; 4.98% net interest margin against 4.55%.
9.17% tier 1 leverage ratio against 8.64%.
Inside the full The Apple Creek Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Apple Creek Banking Company rankings
Its closest position to the top of a national ranking is 1,863 of 3,611, for ROA; its furthest is 3,491 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.04% (Q3 2025) to 1.38% (Q1 2026) and its net interest margin ran from 4.14% (Q3 2024) to 4.98% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.17% | 1.26% | 0.00% | 0.00% | 4.98% |
| Q1 2026 | 9.34% | 1.38% | 0.00% | 0.00% | 4.96% |
| Q4 2025 | 8.84% | 1.08% | 0.00% | 0.71% | 4.83% |
| Q3 2025 | 8.88% | 1.04% | 0.00% | 0.73% | 4.63% |
| Q2 2025 | 8.64% | 1.17% | 0.00% | 0.77% | 4.55% |
| Q1 2025 | 8.58% | 1.15% | 0.00% | 0.79% | 4.45% |
| Q4 2024 | 8.10% | 1.32% | 0.00% | 0.00% | 4.49% |
| Q3 2024 | 8.14% | 1.09% | 0.00% | 0.00% | 4.14% |
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.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Apple Creek Banking Company | Apple Creek , OH | 44606 | $104.7M |
| Wooster Branch | Wooster , OH | 44691 | $48.6M |
| North Wooster Branch | Wooster , OH | 44691 | $31.6M |
| New Franklin Branch | Akron , OH | 44319 | $24.4M |
| Canal Fulton Branch | Canal Fulton , OH | 44614 | $23.0M |
| Beach City Branch | Beach City , OH | 44608 | $11.0M |
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 December 6, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 95 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 85 applications, 68 loans originated, $12.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The Apple Creek Banking Company
What are The Apple Creek Banking Company's total assets?
As of the Q2 2026 filing, The Apple Creek Banking Company reported total assets of $270.6 million in its FFIEC call report.
Where is The Apple Creek Banking Company headquartered?
It is headquartered in Apple Creek, OH, United States.
When was The Apple Creek Banking Company founded?
It was established in 1904, per the FDIC institution directory.
Is The Apple Creek Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #737). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Apple Creek Banking Company?
The Apple Creek Banking Company's primary federal regulator is the Federal Reserve.
How many branches does The Apple Creek Banking 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 The Apple Creek Banking Company's Texas Ratio?
Its Texas Ratio is 0.00% 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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