BlastPoint's Banking Scorecard

Applied Bank

$100M-$1B Specialty: Other DE FDIC cert 34193

Wilmington, DE

2 branches across DE

2664 banks in the $100M-$1B peer group nationally 8 in DE

Applied Bank has 7 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 21.8% in tier
+ Credit Quality Leader: Top 46.1% in tier
+ Return on Assets 1.56% above tier average
+ Efficiency Ratio 25.02% below tier average
+ Non-Interest-Bearing Deposit Share 14.08% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 1.4% in tier

Get updates when Applied Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$258.1M -6.9% YoY -1.7% QoQ	-$128.0M	$386.1M +0.5% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$54.8M -4.7% YoY -0.2% QoQ	-$200.9M	$255.7M +1.1% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	Bottom 3.8% in tier
Total Deposits ?	$214.4M -8.2% YoY -2.9% QoQ	-$113.6M	$328.0M +0.1% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	2.83% -20.4% YoY +947.2% QoQ	+1.56%	1.27% +12.9% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	Top 2.7% in tier
Net Interest Margin ?	4.12% -14.9% YoY -15.0% QoQ	+0.18%	3.93% +6.0% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	40.27% +14.1% YoY -57.9% QoQ	-25.02%	65.29% -4.5% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	Top 4.3% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	25.58% +3.8% YoY +2.8% QoQ	-51.06%	76.64% +0.8% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	Top 1.2% in tier
Non-Interest-Bearing Deposit Share ?	36.10% -33.5% YoY -26.1% QoQ	+14.08%	22.02% -1.0% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	Top 8.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	72.18% -1.0% YoY +4.3% QoQ	+56.35%	15.83% +1.5% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	Top 0.5% in tier
Non-Interest Income / Assets ?	0.22% -1.8% YoY -75.9% QoQ	-0.06%	0.28% +9.3% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	Top 11.4% in tier

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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

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 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 (2)

Revenue Diversifier

growth

#146 of 666 • Top 21.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.22%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.83%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#307 of 664 • Top 46.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#8 of 506 • Bottom 1.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 72.18%

Peer Median: 15.83%

#15 of 2664 Top 0.5% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 25.58%

Peer Median: 76.64%

#33 of 2664 Top 1.2% in $100M-$1B

Return on Assets

profitability

Value: 2.83%

Peer Median: 1.27%

#72 of 2664 Top 2.7% in $100M-$1B

115

Efficiency Ratio

profitability

Value: 40.27%

Peer Median: 65.29%

#115 of 2664 Top 4.3% in $100M-$1B

232

Non-Interest-Bearing Deposit Share

funding

Value: 36.10%

Peer Median: 22.02%

#232 of 2664 Top 8.7% in $100M-$1B

306

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#306 of 2664 Top 11.4% in $100M-$1B

Top Weaknesses (1 metrics)

2563

Total Loans

size

Value: $54.84M

Peer Median: $255.72M

#2563 of 2664 Bottom 3.8% in $100M-$1B