The Apple Creek Banking Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 1.30 percentage points in Q2 2026, from 96.91% to 95.61%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Apple Creek Banking Company is 61st of 156 on return on assets, 1.26% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; The Apple Creek Banking Company reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.17% |
| Equity capital to assets | 8.76% |
| Tangible equity to tangible assets | 8.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 14.22% |
| Net interest margin | 4.98% |
| Efficiency ratio | 61.09% |
| Yield on earning assets | 6.18% |
| Cost of funds | 1.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.61% |
| Core deposits to total deposits | 96.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.94% |
| Securities to assets | 7.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.17% | 10.17% | 11.13% | 8.33% | 0.78% |
| Q4 2023 | 10.27% | 10.27% | 11.17% | 8.34% | 1.02% |
| Q1 2024 | 10.19% | 10.19% | 11.08% | 8.04% | 0.67% |
| Q2 2024 | 10.34% | 10.34% | 11.26% | 8.01% | 0.83% |
| Q3 2024 | 10.48% | 10.48% | 11.37% | 8.14% | 1.09% |
| Q4 2024 | 10.47% | 10.47% | 11.37% | 8.10% | 1.32% |
| Q1 2025 | 10.60% | 10.60% | 11.51% | 8.58% | 1.15% |
| Q2 2025 | 10.69% | 10.69% | 11.61% | 8.64% | 1.17% |
| Q3 2025 | 10.69% | 10.69% | 11.61% | 8.88% | 1.04% |
| Q4 2025 | 10.70% | 10.70% | 11.62% | 8.84% | 1.08% |
| Q1 2026 | 11.04% | 11.04% | 11.96% | 9.34% | 1.38% |
| Q2 2026 | — | — | — | 9.17% | 1.26% |
The Apple Creek Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Apple Creek Banking Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 The Apple Creek Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 737) · FFIEC NIC profile (RSSD 213912)