Applied Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Applied Bank of Wilmington, DE against its peer group of 2757 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 | 2.39% | 1.25% | +1.14% | 93rd top |
| ROAE | 13.90% | 13.17% | +0.73% | 59th above |
| Net Interest Margin | 3.76% | 3.95% | -0.19% | 40th below |
| Efficiency Ratio | 44.69% | 61.50% | -16.81% | 90th top |
| PPNR / Avg Assets | 2.48% | — | — | 88th top |
| Yield on Earning Assets | 4.22% | 5.67% | -1.45% | 4th bottom |
| Cost of Funds | 0.60% | 1.87% | -1.27% | 98th top |
| Net Interest Spread | 3.46% | — | — | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 93rd top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.52% | — | — | 3rd bottom |
| Texas Ratio | 0.00% | 6.06% | -6.06% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 78.16% | 17.18% | +60.98% | 98th top |
| Tier 1 Ratio | 78.16% | 17.21% | +60.95% | 98th top |
| Total Capital Ratio | 78.67% | — | — | 98th top |
| Leverage Ratio | 17.49% | 11.75% | +5.74% | 93rd top |
| Equity / Assets | 16.25% | 10.98% | +5.27% | 92nd top |
| TCE / Tangible Assets | 16.25% | — | — | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 24.33% | 80.44% | -56.11% | 99th top |
| Core Deposit Ratio | 100.00% | 86.95% | +13.05% | 100th top |
| Wholesale Funding Ratio | 0.13% | — | — | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.01% | — | — | 19th bottom |
| Loan Growth (Y/Y) | 1.54% | — | — | 28th below |
| Deposit Growth (Y/Y) | 0.47% | — | — | 25th below |
See Applied Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Applied 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 Applied 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 Applied Bank peer analysis.