BlastPoint's Banking Scorecard

Apple Bank

$10B-$250B Specialty: Commercial NY FDIC cert 16068

Designations: ✓ Community bank

New York, NY

79 branches across NY · NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in NY.
Deposits +9.9% year over year ($16.1B on the books).
Delinquency rate 0.44%.
Return on assets 0.39%.
Efficiency ratio 80.24% vs a 53.67% peer average.
Loan-to-deposit ratio 85.28% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in NY

View $10B-$250B leaderboard (NY) →

Apple Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 25.0% in tier
- Return on Assets 1.00% below tier average
- Net Interest Margin 1.61% below tier average
- Non-Interest Income / Assets 0.43% below tier average

Get updates when Apple Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$19.9B +8.4% YoY +3.4% QoQ	-$23.7B	$43.6B -13.8% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	38%
Total Loans ?	$13.8B +6.7% YoY +3.1% QoQ	-$14.2B	$28.0B -8.6% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$16.1B +9.9% YoY +2.2% QoQ	-$19.3B	$35.4B -14.0% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	0.39% +47.2% YoY +45.4% QoQ	-1.00%	1.39% +25.9% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 4.3% in tier
Net Interest Margin ?	2.31% +3.0% YoY +1.4% QoQ	-1.61%	3.92% +8.9% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 7.9% in tier
Efficiency Ratio ?	80.24% -0.7% YoY -2.8% QoQ	+26.57%	53.67% -1.9% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 2.9% in tier
Delinquency Rate ?	0.44% -37.3% YoY -12.7% QoQ	-0.57%	1.01% -2.8% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	79%
Loan-to-Deposit Ratio ?	85.28% -2.9% YoY +0.9% QoQ	+2.67%	82.61% +3.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	9.38% +12.7% YoY +2.1% QoQ	-11.20%	20.58% +4.9% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	0.38% -23.8% YoY -11.2% QoQ	-0.35%	0.73% +5.8% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	11.68% +4.1% YoY +1.2% QoQ	-3.67%	15.35% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Bottom 12.9% in tier
Non-Interest Income / Assets ?	0.07% -52.0% YoY +77.5% QoQ	-0.43%	0.50% +10.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 7.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	9.4% +1.1pp YoY +0.2pp QoQ	-11.7pp	21.0%	22.1%	22.2%	17%
Brokered Deposits	8.3% +1.3pp YoY -0.1pp QoQ	-0.9pp	9.2%	8.0%	8.5%	65%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	19.2% -4.9pp YoY -2.1pp QoQ	+2.0pp	17.2%	11.0%	12.5%	65%
CRE	n/a	n/a	42.0%	46.2%	41.4%	n/a
1-4 Family	0.2% -0.1pp YoY 0.0pp QoQ	-22.9pp	23.1%	36.6%	31.3%	2%
Consumer	0.9% 0.0pp YoY 0.0pp QoQ	-12.0pp	12.9%	5.1%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	11.7% +0.5pp YoY +0.1pp QoQ	-3.6pp	15.3%	26.1%	19.7%	13%
Leverage Ratio	7.7% -0.4pp YoY -0.1pp QoQ	-2.7pp	10.4%	13.9%	12.6%	5%
Total Capital Ratio	12.1% +0.4pp YoY 0.0pp QoQ	-4.4pp	16.5%	27.2%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	1,260 -58 (-4.4%) YoY -15 (-1.2%) QoQ	-1,998	3,258	914	482	28%
Assets per Employee ($)	$15.8M +13.4% YoY +4.6% QoQ	-$11.2M	$27.0M	$14.8M	$8.8M	64%
Branch Count	79 -2 (-2.5%) YoY 0 QoQ	-59	137	27	18	47%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.4%	39%
Nonaccrual	0.5% -0.2pp YoY -0.1pp QoQ	-0.2pp	0.7%	1.3%	1.0%	41%
Allowance Coverage	0.89x +20.3% YoY -7.3% QoQ	-1.92x	2.81x	1.92x	20.23x	15%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.2%	19%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	4.8% +1.7pp YoY +1.5pp QoQ	-7.8pp	12.6%	7.9%	11.6%	5%
Cost of Funds (YTD)	2.5% -0.2pp YoY 0.0pp QoQ	+0.6pp	2.0%	1.8%	1.7%	78%
Net Income ($, YTD)	$38.3M +59.8% YoY — QoQ	-$258.5M	$296.8M	$111.2M	$40.4M	4%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#2 of 4 • Bottom 25.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.24%

(Tier: 53.67%, National: 70.05%)

worse than tier avg

4 of 4 Large banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

Delinquency Rate

credit_quality

Value: 0.44%

Peer Median: 1.01%

#30 of 138 Top 21.0% in $10B-$250B

Top Weaknesses (6 metrics)

136

Efficiency Ratio

profitability

Value: 80.24%

Peer Median: 53.67%

#136 of 139 Bottom 2.9% in $10B-$250B

134

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.39%

#134 of 139 Bottom 4.3% in $10B-$250B

129

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.50%

#129 of 139 Bottom 7.9% in $10B-$250B

129

Net Interest Margin

profitability

Value: 2.31%

Peer Median: 3.92%

#129 of 139 Bottom 7.9% in $10B-$250B

122

Tier 1 Capital Ratio

capital

Value: 11.68%

Peer Median: 15.35%

#122 of 139 Bottom 12.9% in $10B-$250B

113

Non-Interest-Bearing Deposit Share

funding

Value: 9.38%

Peer Median: 20.58%

#113 of 139 Bottom 19.4% in $10B-$250B