Applied Bank
Total assets
$274.1M
▲ +0.0% YoY
Deposits
$228.6M
▲ +0.5% YoY
Loans
$55.3M
▲ +1.6% YoY
Offices
2
ROA (annualized)
2.54%
peers 1.24%
ROE (annualized)
15.67%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Applied Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 2.54% | 1.24% | +1.3 pts |
| ROE | 15.7% | 11.9% | +3.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
Profile
- Established
- 1996
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 2200 Concord Pike, Wilmington, DE, 19803
- County
- New Castle
- Metro area
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
- Offices
- 2
- FDIC cert #
- 34193
- RSSD ID
- 2467670
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $274.1M | $228.6M | $55.3M | $44.5M | $3.4M | 2.54% | 3.83% | 0.00% |
| Q1 2026 | $258.1M | $214.4M | $54.8M | $43.0M | $1.8M | 2.83% | 4.12% | 0.00% |
| Q4 2025 | $262.7M | $220.8M | $54.9M | $41.2M | $724K | 0.27% | 4.84% | 0.00% |
| Q3 2025 | $266.8M | $217.8M | $53.8M | $48.0M | $7.5M | 3.73% | 4.85% | 0.00% |
| Q2 2025 | $274.1M | $227.5M | $54.5M | $45.6M | $5.1M | 3.81% | 4.86% | 0.00% |
| Q1 2025 | $277.1M | $233.5M | $57.5M | $42.8M | $2.4M | 3.55% | 4.83% | 0.00% |
| Q4 2024 | $259.0M | $218.0M | $57.3M | $40.5M | $9.7M | 4.06% | 5.70% | 0.00% |
| Q3 2024 | $278.4M | $230.3M | $50.4M | $47.2M | $7.1M | 4.10% | 5.75% | 0.00% |
Loan mix (Q2 2026): real estate $55.2M · commercial $419K · consumer $11K · securities $0
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Applied Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.54% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% | 43th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.3% | 62.9% | 5th | |
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% |
Balance sheet
| Ratio | Applied 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% |
Capital
| Ratio | Applied 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% |
Credit quality
| Ratio | Applied 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% |
Franchise
| Ratio | Applied Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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