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The Apple Creek Banking Company
Apple Creek, OH · FDIC Certificate #737 · Chartered 02/0
Total assets
$270.58M
Total deposits
$243.36M
Total equity
$23.71M
Net loans
$230.60M
Branches (offices)
6
Net income (YTD)
$1.74M
Rank: #2,603 of 4,213 U.S. banks by assets · #83 of 155 in Ohio. Assets changed 4.9% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 14.92% |
| Net interest margin (YTD) | 5.02% |
| Equity to assets | 8.76% |
| Tier 1 leverage ratio | 9.17% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 94.8% |
| Real estate loans (share of loans) | 79.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $182.75M | 79.2% | |
| Commercial & industrial | $35.69M | 15.5% | |
| Consumer / individual | $12.63M | 5.5% | |
| Construction & development | $12.61M | 5.5% | |
| Agricultural | $1.13M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $210.35M | $193.81M | $869.00K | $13.55M |
| Jun 2023 | $230.04M | $194.64M | $937.00K | $15.33M |
| Jun 2024 | $254.81M | $228.74M | $945.00K | $17.32M |
| Jun 2025 | $258.03M | $235.80M | $1.50M | $20.87M |
| Jun 2026 | $270.58M | $243.36M | $1.74M | $23.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $243.36M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $243.36M.
Similar-sized banks
Cherokee State Bank ($271.11M) · The Farmers And Merchants National Bank Of Nashville ($270.29M)
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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