Apple River State Bank
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Data as of · sourced from FFIEC call reports. How we update
Apple River State Bank is an FDIC-insured commercial bank headquartered in Apple River, IL, established in 1948 (FDIC certificate 17453), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $675.2M, up 7.1% from Q2 2025, the 79th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17453
- Headquarters
- Apple River, IL
- Established
- 1948
- Total assets, Q2 2026
- $675.2M
- Assets vs Q2 2025
- +7.1%
- CET1 ratio, Q2 2026
- 14.75%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 071122247
- Holding company
- FIRST APPLE RIVER CORPORATION
- Asset rank in state
- 79th of 319 in Illinois
Apple River State Bank is one of the more profitable banks of its size. Based in Apple River, Illinois, it had $675 million in assets at June 30, 2026, up 7.1% from a year earlier. It returns 20.5% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it keeps 3.34 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 26% from a year earlier, to $2.7 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 19% of Tier 1 capital, down from 28% a year earlier.
As of June 30, 2026, Apple River State Bank reported a CET1 capital ratio of 14.75%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.67%. The figures come from its call report filed with the FFIEC.
Apple River State Bank ranks as the 79th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 7.1% to $675.2M, loans rose 1.3% and deposits rose 8.5%. Farmland and other real estate loans made up 27.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 27.0%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Galena office books 49% of its branch deposits. Judged on its Q2 2026 call report, Apple River State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 Main St, Apple River, IL 61001
- County
- Jo Daviess
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 5, 1948
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $548.3M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $661.2M
- Average total loans
- $395.5M
- Average interest-bearing deposits
- $453.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 1, 1955
- FDIC Cert
- 17453
- Fed RSSD
- 594938
- Website
- www.appleriverstatebank.com →
- Parent Holding Company
- FIRST APPLE RIVER CORPORATION (RSSD 1143052)
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
Apple River State Bank's total assets moved between a low of $551.3M (Q4 2023) and a high of $675.2M (Q2 2026) from Q3 2023 to 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
$675.2M total assets against $630.4M; $622.7M total liabilities against $586.8M.
$394.3M net loans and leases against $369.8M; $548.3M total deposits against $514.6M.
$200.3M securities against $186.6M; $55.9M cash and balances due against $49.2M.
$8.1M total interest income against $7.4M; $2.9M total interest expense against $3.0M.
$5.2M net interest income against $4.4M.
$844K total noninterest income against $820K; $3.2M total noninterest expense against $2.9M.
$0 provision for credit losses against $100K.
$2.7M net income against $2.1M.
1.61% return on assets against 1.34%; 3.34% net interest margin against 2.98%.
14.75% CET1 capital ratio against 14.15%; 9.74% tier 1 leverage ratio against 9.26%.
Inside the full Apple River State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeApple River State Bank rankings
Its closest position to the top of a national ranking is 1,025 of 3,606, for efficiency ratio; its furthest is 2,399 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.05% (Q4 2024) to 1.61% (Q2 2026) and its net interest margin ran from 2.63% (Q3 2024) to 3.34% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.75% | 1.61% | 0.24% | 1.67% | 3.34% |
| Q1 2026 | 14.59% | 1.49% | 0.23% | 1.60% | 3.20% |
| Q4 2025 | 14.20% | 1.34% | 0.23% | 1.68% | 3.15% |
| Q3 2025 | 14.23% | 1.35% | 0.05% | 0.84% | 3.07% |
| Q2 2025 | 14.15% | 1.34% | 0.06% | 1.00% | 2.98% |
| Q1 2025 | 13.97% | 1.20% | 0.03% | 0.77% | 2.84% |
| Q4 2024 | 13.75% | 1.05% | 0.02% | 0.73% | 2.77% |
| Q3 2024 | 14.11% | 1.07% | 0.11% | 0.84% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Galena Branch | Galena , IL | 61036 | $271.2M |
| Warren Branch | Warren , IL | 61087 | $74.8M |
| Apple River State Bank (main office) | Apple River , IL | 61001 | $48.6M |
| Scales Mound Branch | Scales Mound , IL | 61075 | $43.8M |
| Elizabeth Branch | Elizabeth , IL | 61028 | $42.4M |
| Hazel Green Branch | Hazel Green , WI | 53811 | $25.8M |
| Hanover Branch | Hanover , IL | 61041 | $21.2M |
| Apple River State Bank - Darlington Office Branch | Darlington , WI | 53530 | $20.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 107 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 River State Bank
What are Apple River State Bank's total assets?
As of the Q2 2026 filing, Apple River State Bank reported total assets of $675.2 million in its FFIEC call report.
Where is Apple River State Bank headquartered?
It is headquartered in Apple River, IL, United States.
When was Apple River State Bank founded?
It was established in 1948, per the FDIC institution directory.
Is Apple River State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17453). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Apple River State Bank?
Apple River State Bank's primary federal regulator is the FDIC.
What is Apple River State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Apple River State Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Apple River State Bank's Texas Ratio?
Its Texas Ratio is 1.67% 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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