Applied Bank: 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.
The standout move of Q2 2026 was in CET1 capital ratio: 5.98 percentage points higher than in Q1 2026, at 78.16%. Applied Bank ranks 9th of 16 Delaware banks on return on assets, in the lower half at 2.39% (Q2 2026). Applied Bank's return on assets of 2.39% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.13 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 78.16% |
| Tier 1 risk-based capital ratio | 78.16% |
| Total risk-based capital ratio | 78.67% |
| Tier 1 leverage ratio | 17.49% |
| Equity capital to assets | 16.25% |
| Tangible equity to tangible assets | 16.25% |
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 | 0.52% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.39% |
| Return on equity | 13.90% |
| Net interest margin | 3.76% |
| Efficiency ratio | 44.69% |
| Yield on earning assets | 4.22% |
| Cost of funds | 0.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 24.33% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.39% |
| Securities to assets | — |
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 | 95.67% | 95.67% | 96.28% | 21.13% | 4.06% |
| Q4 2023 | 78.97% | 78.97% | 79.60% | 18.40% | 4.19% |
| Q1 2024 | 83.93% | 83.93% | 84.60% | 19.69% | 4.08% |
| Q2 2024 | 78.80% | 78.80% | 79.42% | 20.46% | 4.07% |
| Q3 2024 | 87.38% | 87.38% | 88.00% | 18.35% | 4.28% |
| Q4 2024 | 68.17% | 68.17% | 68.78% | 15.01% | 3.71% |
| Q1 2025 | 72.89% | 72.89% | 73.47% | 15.95% | 3.55% |
| Q2 2025 | 75.72% | 75.72% | 76.30% | 16.66% | 4.04% |
| Q3 2025 | 79.76% | 79.76% | 80.31% | 18.17% | 3.62% |
| Q4 2025 | 69.23% | 69.23% | 69.77% | 14.77% | -9.78% |
| Q1 2026 | 72.18% | 72.18% | 72.69% | 16.31% | 2.79% |
| Q2 2026 | 78.16% | 78.16% | 78.67% | 17.49% | 2.39% |
Applied Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Applied Bank, 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 Applied Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34193) · FFIEC NIC profile (RSSD 2467670)