BlastPoint's Banking Scorecard
Apple Bank
Mid-Market
Specialty: Commercial
NY
FDIC cert 16068
Designations: ✓ Community bank
New York, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Apple Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.82% below tier
- - Efficiency Ratio 22.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$19.2B
+10.1% YoY
+2.1% QoQ
|
+$8.8B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$13.3B
+9.6% YoY
+1.2% QoQ
|
+$6.1B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$15.7B
+8.5% YoY
+2.0% QoQ
|
+$7.2B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
0.34%
+81.7% YoY
+20.4% QoQ
|
-0.82% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.26%
-2.6% YoY
+0.9% QoQ
|
-1.13% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
78.94%
-3.4% YoY
-2.9% QoQ
|
+22.33% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.54%
-36.0% YoY
-22.5% QoQ
|
-0.15% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
84.50%
+1.0% YoY
-0.7% QoQ
|
-0.97% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
9.22%
+9.5% YoY
+4.5% QoQ
|
-11.42% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.37%
-36.3% YoY
-23.2% QoQ
|
-0.13% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
11.30%
-4.3% YoY
-1.9% QoQ
|
-2.25% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.30%
+26.0% YoY
+67.5% QoQ
|
-0.65% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
0.34%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
78.94%
(Tier avg: 56.60%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Deposits
Current: $15.7B · Tier avg: $8.5B
90
90th pctile
Total Assets
Current: $19.2B · Tier avg: $10.5B
90
90th pctile
Total Loans
Current: $13.3B · Tier avg: $7.1B
57
57th pctile
Loan-to-Deposit Ratio
Current: 84.50% · Tier avg: 85.47%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.68%
19
19th pctile
Tier 1 Capital Ratio
Current: 11.30% · Tier avg: 13.55%
17
17th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.96%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 9.22% · Tier avg: 20.64%
11
11th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.40%
8
8th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 78.94% · Tier avg: 56.60%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 78.94% · Tier avg: 56.60%
8
8th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.16%
11
11th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.40%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 9.22% · Tier avg: 20.64%
17
17th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.96%
19
19th pctile
Tier 1 Capital Ratio
Current: 11.30% · Tier avg: 13.55%
54
54th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.68%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
57
57th pctile
Loan-to-Deposit Ratio
Current: 84.50% · Tier avg: 85.47%
90
90th pctile
Total Loans
Current: $13.3B · Tier avg: $7.1B
90
90th pctile
Total Assets
Current: $19.2B · Tier avg: $10.5B
91
91th pctile
Total Deposits
Current: $15.7B · Tier avg: $8.5B