BlastPoint's Banking Scorecard
Apple Bank
Designations: ✓ Community bank
New York, NY
79 branches across NY · NJ
Apple Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.1% in tier
- - Return on Assets 1.01% below tier average
- - Net Interest Margin 1.50% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$19.2B
+7.2% YoY
+0.0% QoQ
|
-$27.7B |
$47.0B
-1.9% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$13.3B
+6.4% YoY
+0.5% QoQ
|
-$16.0B |
$29.4B
-0.4% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$15.8B
+6.1% YoY
+0.5% QoQ
|
-$22.6B |
$38.4B
-1.6% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
0.27%
+12.8% YoY
-21.0% QoQ
|
-1.01% |
1.28%
+18.7% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.2% in tier |
| Net Interest Margin ? |
2.27%
+4.9% YoY
+0.6% QoQ
|
-1.50% |
3.77%
+5.8% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio ? |
82.53%
-1.2% YoY
+4.6% QoQ
|
+28.52% |
54.01%
-3.7% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate ? |
0.51%
-34.1% YoY
-6.3% QoQ
|
-0.51% |
1.02%
-3.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
84.55%
+0.2% YoY
+0.1% QoQ
|
+3.76% |
80.79%
+1.9% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
9.18%
+11.1% YoY
-0.4% QoQ
|
-10.86% |
20.04%
+0.2% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.42%
-20.8% YoY
-4.8% QoQ
|
-0.30% |
0.72%
+4.2% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
11.55%
+0.9% YoY
+2.2% QoQ
|
-3.97% |
15.51%
-0.4% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.9% in tier |
| Non-Interest Income / Assets ? |
0.04%
-40.5% YoY
-87.9% QoQ
|
-0.19% |
0.22%
+0.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.2% in tier |
Get Full Access to Apple Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.