| Metric | Apple Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +5.9% | +2.5 pts |
| Deposit growth (YoY) | +9.9% | +5.7% | +4.2 pts |
| Loan growth (YoY) | +6.7% | +6.9% | -0.2 pts |
| ROA | 0.39% | 1.23% | -0.8 pts |
| ROE | 4.8% | 11.2% | -6.4 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.89B | $16.13B | $13.76B | $1.60B | $38.3M | 0.39% | 2.31% | 0.38% |
| Q1 2026 | $19.23B | $15.78B | $13.34B | $1.58B | $13.0M | 0.27% | 2.27% | 0.42% |
| Q4 2025 | $19.23B | $15.71B | $13.27B | $1.58B | $63.0M | 0.34% | 2.26% | 0.45% |
| Q3 2025 | $18.82B | $15.41B | $13.11B | $1.57B | $38.8M | 0.28% | 2.24% | 0.48% |
| Q2 2025 | $18.35B | $14.68B | $12.89B | $1.55B | $24.0M | 0.27% | 2.24% | 0.49% |
| Q1 2025 | $17.94B | $14.87B | $12.55B | $1.53B | $10.6M | 0.24% | 2.17% | 0.54% |
| Q4 2024 | $17.46B | $14.48B | $12.11B | $1.50B | $32.3M | 0.19% | 2.32% | 0.58% |
| Q3 2024 | $17.07B | $14.23B | $11.76B | $1.51B | $18.6M | 0.15% | 2.36% | 0.60% |
Loan mix (Q2 2026): real estate $6.85B · commercial $2.64B · consumer $125.1M · securities $4.16B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Apple Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.23% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.3% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 54.9% | 97th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Apple Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Apple Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Apple Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Apple Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.