Apple River State Bank
Apple River State Bank is the primary bank subsidiary of its parent holding company, headquartered in Apple River, IL. On its most recent Q1 2026 call report, Apple River State reported $630M in total assets against $505M in deposits. The bank posts a strong 1.49% ROA and 19.04% ROE. Capital cushions are healthy: 14.59% CET1, 9.62% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.23%. 8 branches make up the footprint.
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
- Fed District
- 9
- Established
- January 5, 1948
- Branches
- 8 domestic
- Employees (FTE)
- 63
- FDIC Cert
- 17453
- Fed RSSD
- 594938
- Parent Holding Company
- FIRST APPLE RIVER CORPORATION (RSSD 1143052)
Capital & Liquidity
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Apple River State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Apple River State Bank
What are Apple River State Bank's total assets?
As of the Q1 2026 filing, Apple River State Bank reported total assets of $630.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Apple River State Bank headquartered?
Apple River State Bank is headquartered in APPLE RIVER, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Apple River State Bank founded?
Apple River State Bank was established in 1948, per the FDIC institution directory.
Is Apple River State Bank FDIC-insured?
Yes. Apple River State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Apple River State Bank's CET1 capital ratio?
Apple River State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.59% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Apple River State Bank operate?
Apple River State Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Apple River State Bank's Texas Ratio?
Apple River State Bank's Texas Ratio is 1.60% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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