← Back to Institutions
Apple Bank
New York, NY·FDIC Cert #16068·Charter: STATE·Est. 18630417.0·HC: APPLE FINANCIAL HOLDINGS INC
Total Assets
$19.2B
Q4 2025
Return on Assets
0.34%
+0.06%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
78.94%
Peer avg: 54.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.34%+0.06
ROE
4.07%+0.71
Efficiency
78.94%-2.34
Equity/Assets
0.00%+0.00
NPL Ratio
0.54%-0.16
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.50%-0.63
Charge-offs
0.06%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -0.3 | 0.1 | 0.1 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| ROE | -3.4 | 0.6 | 1.7 | 2.2 | 2.8 | 3.1 | 3.4 | 4.1 |
| Efficiency | 77.6 | 78.3 | 79.4 | 81.7 | 83.5 | 80.8 | 81.3 | 78.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 1.1 | 0.9 | 0.8 | 0.8 | 0.7 | 0.7 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 77.6 | 80.4 | 82.6 | 83.7 | 84.4 | 87.8 | 85.1 | 84.5 |
Balance Sheet
Total Assets$19.2B
Total Deposits$15.7B
Total Loans$13.3B
Total Equity$1.6B
Profitability
ROA0.34%
ROE4.07%
Efficiency Ratio78.94%
Net Income$63.0M
Risk & Asset Quality
NPL Ratio0.54%
Charge-off Rate0.06%
Loan/Deposit84.50%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans