BlastPoint

BlastPoint's Banking Scorecard

Apollo Trust Company

$100M-$1B Specialty: Mortgage PA FDIC cert 6051

Apollo, PA

6 branches across PA

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 55 in PA.
  • Deposits +2.1% year over year ($150.1M on the books).
  • Delinquency rate 0.29%.
  • Return on assets 1.15%.
  • Efficiency ratio 69.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 121.43% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Apollo Trust Company has 2 strengths but faces 5 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

  • + Deposit Franchise: Top 53.2% in tier
  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.1% in tier
  • - Liquidity Overhang: Bottom 17.0% in tier
  • - Credit Quality Pressure: Bottom 34.3% in tier
  • - ROA 0.17% below tier average
  • - Efficiency Ratio 5.12% above tier average
Get updates when Apollo Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $209.4M
+1.3% YoY -0.5% QoQ
-$177.2M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $182.2M
+2.2% YoY -0.4% QoQ
-$76.1M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $150.1M
+2.1% YoY +1.4% QoQ
-$176.6M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 1.15%
+20.8% YoY +4.8% QoQ
-0.17% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
44%
Net Interest Margin ? 4.45%
+9.1% YoY +2.0% QoQ
+0.46% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 69.60%
-3.4% YoY -2.0% QoQ
+5.12% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.29%
+294.4% YoY -7.5% QoQ
-0.62% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 121.43%
+0.1% YoY -1.8% QoQ
+43.48% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 0.9% in tier
Non-Interest-Bearing Deposit Share ? 46.41%
+1.2% YoY +0.0% QoQ
+24.38% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Top 2.4% in tier
Nonperforming Asset Ratio ? 0.26%
+297.9% YoY -7.4% QoQ
-0.41% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 17.96%
+6.0% YoY +2.5% QoQ
+2.06% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.35%
-5.9% YoY +106.2% QoQ
-0.22% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
79%

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 (PA) National Avg Tier Percentile
Noninterest-Bearing 46.4%
+0.6pp YoY
0.0pp QoQ
 +24.3pp 22.1% 18.7% 22.2% 98%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 1.6%
-0.5pp YoY
-1.0pp QoQ
 -10.0pp 11.6% 8.6% 12.5% 5%
CRE 17.8%
-0.7pp YoY
-0.4pp QoQ
 -21.7pp 39.5% 37.9% 41.4% 15%
1-4 Family 75.5%
+2.7pp YoY
+1.5pp QoQ
 +42.9pp 32.6% 47.8% 31.3% 96%
Consumer 0.7%
-0.4pp YoY
-0.1pp QoQ
 -3.4pp 4.1% 3.8% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 18.0%
+1.0pp YoY
+0.4pp QoQ
 -0.9pp 18.8% 22.3% 19.7% 69%
Leverage Ratio 11.0%
+0.4pp YoY
+0.2pp QoQ
 -1.1pp 12.2% 13.2% 12.6% 52%
Total Capital Ratio 19.2%
+1.0pp YoY
+0.5pp QoQ
 -0.8pp 19.9% 23.3% 20.8% 69%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 39
+2 (+5.4%) YoY
+1 (+2.6%) QoQ
 -20 58 299 482 40%
Assets per Employee ($) $5.4M
-3.9% YoY
-3.1% QoQ
 -$2.1M $7.5M $9.2M $8.8M 20%
Branch Count 6
0 YoY
0 QoQ
 +1 4 20 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.2pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.2% 0.4% 74%
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage 2.79x
-74.9% YoY
+8.4% QoQ
 -21.36x 24.15x 3.63x 20.23x 57%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 11.1%
+1.5pp YoY
+0.4pp QoQ
 -1.1pp 12.2% 10.2% 11.6% 43%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
-0.1pp QoQ
 -0.8pp 1.7% 1.8% 1.7% 8%
Net Income ($, YTD) $1.2M
+23.5% YoY
— QoQ
 -$1.3M $2.6M $18.2M $40.4M 33%

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 (1)

Deposit Franchise

growth
#149 of 278 • Top 53.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 46.41%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.45%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (3)

Credit Risk Growth

risk
#105 of 936 • Bottom 11.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#127 of 742 • Bottom 17.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.96%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 121.43%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#432 of 1256 • Bottom 34.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.29%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

65
Non-Interest-Bearing Deposit Share
funding
Value: 46.41%
Peer Median: 22.03%
#65 of 2643 Top 2.4% in $100M-$1B
510
Tier 1 Capital Ratio
capital
Value: 17.96%
Peer Median: 15.91%
#510 of 2643 Top 19.3% in $100M-$1B
547
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#547 of 2643 Top 20.7% in $100M-$1B
590
Net Interest Margin
profitability
Value: 4.45%
Peer Median: 3.99%
#590 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (2 metrics)

2619
Loan-to-Deposit Ratio
liquidity
Value: 121.43%
Peer Median: 77.95%
#2619 of 2643 Bottom 0.9% in $100M-$1B
2072
Total Deposits
size
Value: $150.09M
Peer Median: $326.73M
#2072 of 2643 Bottom 21.6% in $100M-$1B
Powered by BlastPoint © 2026