BlastPoint's Banking Scorecard
Applied Bank
Wilmington, DE
2 branches across DE
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in DE.
- Deposits +0.5% year over year ($228.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.54%.
- Efficiency ratio 42.35% vs a 64.48% peer average.
- Loan-to-deposit ratio 24.20% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Applied Bank has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 27.5% in tier
- + Credit Quality Leader: Top 42.9% in tier
- + Return on Assets 1.22% above tier average
- + Efficiency Ratio 22.13% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 13.8% in tier
- - Margin Compression: Bottom 65.2% in tier
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$274.1M
+0.0% YoY
+6.2% QoQ
|
-$112.4M |
$386.6M
+1.2% YoY
|
$72.9B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$55.3M
+1.6% YoY
+0.9% QoQ
|
-$203.0M |
$258.3M
+1.7% YoY
|
$40.0B
+6.7% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.8% in tier |
| Total Deposits ? |
$228.6M
+0.5% YoY
+6.6% QoQ
|
-$98.1M |
$326.7M
+0.7% YoY
|
$56.7B
+1.8% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
2.54%
-33.4% YoY
-10.3% QoQ
|
+1.22% |
1.32%
+10.8% YoY
|
2.36%
-9.5% YoY
|
1.30%
+12.1% YoY
|
Top 4.4% in tier |
| Net Interest Margin ? |
3.83%
-21.2% YoY
-6.8% QoQ
|
-0.15% |
3.99%
+5.0% YoY
|
5.72%
+0.9% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
42.35%
+39.2% YoY
+5.2% QoQ
|
-22.13% |
64.48%
-3.2% YoY
|
53.04%
-0.1% YoY
|
70.05%
+2.5% YoY
|
Top 5.9% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.76%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
24.20%
+1.1% YoY
-5.4% QoQ
|
-53.75% |
77.95%
+1.0% YoY
|
80.57%
-7.4% YoY
|
79.03%
+2.3% YoY
|
Top 1.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.86%
-45.9% YoY
-25.6% QoQ
|
+4.83% |
22.03%
-0.6% YoY
|
23.77%
-3.1% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.52%
+1.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
78.16%
+3.2% YoY
+8.3% QoQ
|
+62.25% |
15.91%
+1.4% YoY
|
57.87%
+0.5% YoY
|
17.09%
+0.8% YoY
|
Top 0.5% in tier |
| Non-Interest Income / Assets ? |
0.38%
-15.3% YoY
+73.9% QoQ
|
-0.18% |
0.57%
+7.6% YoY
|
2.79%
+1.3% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.9%
-22.8pp YoY -9.2pp QoQ |
+4.7pp | 22.1% | 27.2% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 7.9% | 18.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.8%
-0.1pp YoY 0.0pp QoQ |
-10.8pp | 11.6% | 8.9% | 12.5% | 3% |
| CRE | n/a | n/a | 39.5% | 35.2% | 41.4% | n/a |
| 1-4 Family |
14.5%
+5.6pp YoY +2.4pp QoQ |
-18.1pp | 32.6% | 36.6% | 31.3% | 18% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 37.2% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
78.2%
+2.4pp YoY +6.0pp QoQ |
+59.3pp | 18.8% | 52.4% | 19.7% | 99% |
| Leverage Ratio |
17.5%
+0.8pp YoY +1.2pp QoQ |
+5.3pp | 12.2% | 28.0% | 12.6% | 94% |
| Total Capital Ratio |
78.7%
+2.4pp YoY +6.0pp QoQ |
+58.7pp | 19.9% | 53.4% | 20.8% | 99% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
+2 (+8.0%) YoY +2 (+8.0%) QoQ |
-32 | 58 | 6,324 | 482 | 22% |
| Assets per Employee ($) |
$10.2M
-7.4% YoY -1.7% QoQ |
+$2.6M | $7.5M | $17.7M | $8.8M | 86% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 249 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.3% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 2.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 1.5% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.7%
-8.3pp YoY -1.8pp QoQ |
+3.5pp | 12.2% | 13.0% | 11.6% | 71% |
| Cost of Funds (YTD) |
0.2%
+0.2pp YoY +0.2pp QoQ |
-1.5pp | 1.7% | 1.7% | 1.7% | 1% |
| Net Income ($, YTD) |
$3.4M
-34.7% YoY — QoQ |
+$808K | $2.6M | $432.8M | $40.4M | 74% |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.