BlastPoint's Banking Scorecard
The Apple Creek Banking Company
Micro
Specialty: Commercial
OH
FDIC cert 737
Designations: ✓ Community bank
Apple Creek, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Apple Creek Banking Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.1M
+1.5% YoY
-1.7% QoQ
|
+$42.6M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$223.0M
+8.3% YoY
+1.0% QoQ
|
+$83.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$236.2M
+0.2% YoY
-0.5% QoQ
|
+$52.6M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.12%
+11.0% YoY
-0.4% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
4.72%
+12.0% YoY
+1.9% QoQ
|
+0.86% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
63.15%
-8.2% YoY
-2.3% QoQ
|
-4.58% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
94.40%
+8.1% YoY
+1.5% QoQ
|
+19.87% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
28.49%
+7.1% YoY
-0.6% QoQ
|
+6.09% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.07%
+1.7% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
10.70%
+2.1% YoY
+0.1% QoQ
|
+1.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.21%
+3.9% YoY
+42.0% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (0)
No concerns identified
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%
85
85th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.85%
79
79th pctile
Total Loans
Current: $223.0M · Tier avg: $139.2M
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.49% · Tier avg: 22.39%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
67
67th pctile
Total Deposits
Current: $236.2M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $260.1M · Tier avg: $217.5M
58
58th pctile
Efficiency Ratio
Current: 63.15% · Tier avg: 67.73%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.70% · Tier avg: 8.85%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.40% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.40% · Tier avg: 74.53%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.70% · Tier avg: 8.85%
58
58th pctile
Efficiency Ratio
Current: 63.15% · Tier avg: 67.73%
64
64th pctile
Total Assets
Current: $260.1M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $236.2M · Tier avg: $183.7M
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.49% · Tier avg: 22.39%
79
79th pctile
Total Loans
Current: $223.0M · Tier avg: $139.2M
85
85th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%