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The Apple Creek Banking Company

$100M-$1B Specialty: Commercial OH FDIC cert 737

Apple Creek, OH

6 branches across OH

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 96 in OH.
  • Deposits +3.2% year over year ($243.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.32%.
  • Efficiency ratio 61.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.76% 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 96 in OH
View $100M-$1B leaderboard (OH) →

The Apple Creek Banking Company has 4 strengths but faces 2 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

  • + Net Interest Margin 1.04% above tier average
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 3.12% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 29.2% in tier
  • - Liquidity Strain: Bottom 46.3% in tier
Get updates when The Apple Creek Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $270.6M
+4.9% YoY +3.6% QoQ
-$116.0M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $230.6M
+8.1% YoY +2.6% QoQ
-$27.7M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $243.4M
+3.2% YoY +4.0% QoQ
-$83.4M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 1.32%
+12.7% YoY -4.4% QoQ
-0.01% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 5.02%
+9.1% YoY +0.2% QoQ
+1.04% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Top 7.7% in tier
Efficiency Ratio ? 61.36%
-7.0% YoY -0.4% QoQ
-3.12% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
53%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 94.76%
+4.8% YoY -1.4% QoQ
+16.80% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 27.87%
-3.3% YoY -3.5% QoQ
+5.84% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.17%
-14.3% YoY -17.0% QoQ
-6.74% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 2.2% in tier
Non-Interest Income / Assets ? 0.11%
+14.3% YoY +84.5% QoQ
-0.45% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
22%

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 27.9%
-1.0pp YoY
-1.0pp QoQ
 +5.7pp 22.1% 18.8% 22.2% 76%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 7.7% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 15.5%
-0.8pp YoY
0.0pp QoQ
 +3.9pp 11.6% 10.2% 12.5% 78%
CRE 37.7%
+1.7pp YoY
+0.5pp QoQ
 -1.9pp 39.5% 34.2% 41.4% 48%
1-4 Family 31.3%
-0.6pp YoY
+0.6pp QoQ
 -1.3pp 32.6% 50.0% 31.3% 54%
Consumer 5.5%
+0.1pp YoY
-0.9pp QoQ
 +1.4pp 4.1% 4.7% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 9.2%
+0.5pp YoY
-0.2pp QoQ
 -3.0pp 12.2% 12.9% 12.6% 14%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 55
+2 (+3.8%) YoY
+4 (+7.8%) QoQ
 -4 58 2,433 482 58%
Assets per Employee ($) $4.9M
+1.1% YoY
-3.9% QoQ
 -$2.6M $7.5M $7.6M $8.8M 14%
Branch Count 6
0 YoY
0 QoQ
 +1 4 81 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.6% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.95x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 30%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 14.9%
+0.1pp YoY
-0.6pp QoQ
 +2.7pp 12.2% 9.7% 11.6% 67%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 19%
Net Income ($, YTD) $1.7M
+15.8% YoY
— QoQ
 -$817K $2.6M $259.3M $40.4M 47%

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 (2)

Capital Thin

risk
#194 of 661 • Bottom 29.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.17%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#321 of 691 • Bottom 46.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.76%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
205
Net Interest Margin
profitability
Value: 5.02%
Peer Median: 3.99%
#205 of 2643 Top 7.7% in $100M-$1B
638
Non-Interest-Bearing Deposit Share
funding
Value: 27.87%
Peer Median: 22.03%
#638 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (3 metrics)

2587
Tier 1 Capital Ratio
capital
Value: 9.17%
Peer Median: 15.91%
#2587 of 2643 Bottom 2.2% in $100M-$1B
2203
Loan-to-Deposit Ratio
liquidity
Value: 94.76%
Peer Median: 77.95%
#2203 of 2643 Bottom 16.7% in $100M-$1B
2050
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2050 of 2643 Bottom 22.5% in $100M-$1B
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