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Applied Bank
Wilmington, DE · FDIC Certificate #34193 · Chartered 07/0
Total assets
$274.13M
Total deposits
$228.60M
Total equity
$44.54M
Net loans
$55.33M
Branches (offices)
2
Net income (YTD)
$3.36M
Rank: #2,598 of 4,213 U.S. banks by assets · #12 of 15 in Delaware. Assets changed 0.0% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.54% |
| Return on equity | 15.67% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 16.25% |
| Tier 1 leverage ratio | 17.49% |
| Uninsured deposits (share of deposits) | 64.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 24.2% |
| Real estate loans (share of loans) | 99.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $55.23M | 99.8% | |
| Commercial & industrial | $419.00K | 0.8% | |
| Consumer / individual | $11.00K | 0.0% | |
| Construction & development | $12.03M | 21.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $274.51M | $233.30M | $686.00K | $40.59M |
| Jun 2023 | $214.27M | $168.86M | $4.43M | $44.30M |
| Jun 2024 | $217.79M | $172.61M | $4.40M | $44.46M |
| Jun 2025 | $274.10M | $227.53M | $5.15M | $45.61M |
| Jun 2026 | $274.13M | $228.60M | $3.36M | $44.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Delaware | $228.60M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $228.60M.
Similar-sized banks
First National Bank Of Steeleville ($274.52M) · Cayuga Lake National Bank ($273.74M)
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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