BlastPoint's Banking Scorecard
Applied Bank
Micro
Specialty: Other
DE
FDIC cert 34193
Designations: ✓ Community bank
Wilmington, DE
2498
banks in Micro tier nationally
6 in DE
View Micro leaderboard (DE) →
Applied Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 49.64% below tier
- + Non-Interest-Bearing Deposit Share 26.48% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.35% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 27.80% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$262.7M
+1.4% YoY
-1.6% QoQ
|
+$45.2M |
$217.5M
+2.3% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$54.9M
-4.1% YoY
+2.1% QoQ
|
-$84.2M |
$139.2M
+2.8% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$220.8M
+1.3% YoY
+1.3% QoQ
|
+$37.1M |
$183.7M
+1.8% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.27%
-93.3% YoY
-92.7% QoQ
|
-0.81% |
1.08%
+14.7% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
4.84%
-15.0% YoY
-0.1% QoQ
|
+0.99% |
3.85%
+6.6% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
95.53%
+162.1% YoY
+202.0% QoQ
|
+27.80% |
67.73%
-4.8% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
24.88%
-5.3% YoY
+0.7% QoQ
|
-49.64% |
74.53%
+0.5% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
48.87%
-6.5% YoY
-1.6% QoQ
|
+26.48% |
22.39%
-1.3% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
69.23%
+1.6% YoY
-13.2% QoQ
|
+60.38% |
8.85%
-3.4% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.91%
-10.0% YoY
+32.8% QoQ
|
+0.35% |
0.56%
+0.3% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
24.88%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
48.87%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.91%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
95.53%
(Tier avg: 67.73%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Loan-to-Deposit Ratio
Current: 24.88% · Tier avg: 74.53%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.87% · Tier avg: 22.39%
91
91th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
65
65th pctile
Total Deposits
Current: $220.8M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $262.7M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $54.9M · Tier avg: $139.2M
12
12th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 95.53% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 95.53% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
23
23th pctile
Total Loans
Current: $54.9M · Tier avg: $139.2M
65
65th pctile
Total Assets
Current: $262.7M · Tier avg: $217.5M
65
65th pctile
Total Deposits
Current: $220.8M · Tier avg: $183.7M
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.87% · Tier avg: 22.39%
99
99th pctile
Loan-to-Deposit Ratio
Current: 24.88% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%