BlastPoint's Banking Scorecard
Apollo Trust Company
Micro
Specialty: Mortgage
PA
FDIC cert 6051
Designations: ✓ Community bank
Apollo, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Apollo Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.08% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 53.47% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.2M
+2.9% YoY
-0.8% QoQ
|
-$9.3M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$180.9M
+4.3% YoY
+0.4% QoQ
|
+$41.7M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$141.3M
-1.7% YoY
-4.4% QoQ
|
-$42.3M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.02%
+1.3% YoY
+1.1% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
4.17%
+8.3% YoY
+0.8% QoQ
|
+0.32% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
70.62%
-0.5% YoY
-0.5% QoQ
|
+2.89% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.03%
-79.7% YoY
-0.3% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
127.99%
+6.1% YoY
+5.0% QoQ
|
+53.47% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.48%
+1.9% YoY
-2.9% QoQ
|
+24.08% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-79.4% YoY
+0.8% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
17.43%
+1.1% YoY
+2.4% QoQ
|
+8.58% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.72%
-24.5% YoY
+30.6% QoQ
|
+0.16% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.48%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
127.99%
(Tier avg: 74.53%, National avg: 78.04%)
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
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.48% · Tier avg: 22.39%
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.43% · Tier avg: 8.85%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
69
69th pctile
Total Loans
Current: $180.9M · Tier avg: $139.2M
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
53
53th pctile
Total Assets
Current: $208.2M · Tier avg: $217.5M
48
48th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
43
43th pctile
Total Deposits
Current: $141.3M · Tier avg: $183.7M
38
38th pctile
Efficiency Ratio
Current: 70.62% · Tier avg: 67.73%
1
1th pctile
Loan-to-Deposit Ratio
Current: 127.99% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 127.99% · Tier avg: 74.53%
38
38th pctile
Efficiency Ratio
Current: 70.62% · Tier avg: 67.73%
43
43th pctile
Total Deposits
Current: $141.3M · Tier avg: $183.7M
48
48th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
53
53th pctile
Total Assets
Current: $208.2M · Tier avg: $217.5M
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
69
69th pctile
Total Loans
Current: $180.9M · Tier avg: $139.2M
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.43% · Tier avg: 8.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.48% · Tier avg: 22.39%