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Apple Bank
New York, NY · FDIC Certificate #16068 · Chartered 04/1
Total assets
$19.89B
Total deposits
$16.13B
Total equity
$1.60B
Net loans
$13.76B
Branches (offices)
79
Net income (YTD)
$38.30M
Rank: #106 of 4,213 U.S. banks by assets · #9 of 115 in New York. Assets changed 8.4% and deposits 9.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.39% |
| Return on equity | 4.83% |
| Net interest margin (YTD) | 2.31% |
| Equity to assets | 8.06% |
| Tier 1 leverage ratio | 7.74% |
| Uninsured deposits (share of deposits) | 21.0% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 85.3% |
| Real estate loans (share of loans) | 49.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.85B | 49.8% | |
| Commercial & industrial | $2.64B | 19.2% | |
| Consumer / individual | $125.13M | 0.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $16.39B | $14.33B | $36.29M | $1.28B |
| Jun 2023 | $16.85B | $15.06B | $65.45M | $1.34B |
| Jun 2024 | $17.02B | $14.55B | $4.69M | $1.47B |
| Jun 2025 | $18.35B | $14.68B | $23.97M | $1.55B |
| Jun 2026 | $19.89B | $16.13B | $38.30M | $1.60B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $16.01B | 76 |
| New Jersey | $117.00M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $16.13B.
Similar-sized banks
The Central Trust Bank ($20.31B) · Stifel Bank And Trust ($19.62B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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