FDIC Cert #16068 · New York, New York · Est. 1863

Apple Bank - FDIC Bank Health Profile

A community-scale look at Apple Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$19.2B
Total assets
C
Health grade · Fair
0.34%
Return on assets
11.3%
Tier 1 capital

Data updated July 2026

The verdict

Apple Bank earns a PlainBankData health grade of C (59/100), with well-capitalized at 11.30% Tier 1, 0.34% ROA, 79% efficiency ratio.

#106
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
11.30%
Tier 1 ratio - above the 10% well-capitalized line
11th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 16068 · NY C · 59/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-C C (59/100)
  • LOWER-Q #3860/4307
  • PHOTO-FINISH Gateway First Bank · OK
  • TIER1-WELL 11.3% Tier 1
  • TEXAS-CLEAN 4.4% Texas
  • ROA-THIN 0.34% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Gateway First Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Apple Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Apple Bank · NY · this bank59/100Bangor Savings Bank · ME · n…59/100Bank of Sun Prairie · WI · n…59/100Gateway First Bank · OK · ne…59/100The Farmers State Ba… · KS ·…59/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Apple Bank · July 2026

What Apple Bank's Call Report plate shows

Apple Bank (FDIC Cert #16068) carries a PlainBankData health grade of C at 59/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,860 of 4,307. Tier 1 capital prints at 11.30%, clearing the 10% well-capitalized line. The Texas Ratio is 4.36%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.34%. Balance-sheet scale is $19.2B, 106th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gateway First Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Apple Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Apple Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Apple Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Apple Bank's 59/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10059/100
Apple Bank's composite health score
Tier 1 Capital Ratio (11.30%) 28/40
Return on Assets (ROA) (0.34%) 7/25
Texas Ratio (4.36%) 20/20
Efficiency Ratio (78.94%) 4/15

59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$19.2B

Total balance-sheet footings

Total Deposits

$15.7B

Customer-funded liabilities

Net Loans

$13.3B

Outstanding loan book

Net Income

$63M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.9% 11.3% 12.7%
Basel III capital ratios - Apple Bank

Where Apple Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Apple Bank's score of 59/100 falls in the highlighted band.

Apple Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

59 10th percentile higher than 10% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Apple Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Apple Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Apple Bank's $19.2B falls in the highlighted band.

Safety ratios for Apple Bank

Tier 1 capital ratio
Well-capitalized 10%

11.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.30%
Texas Ratio
4.36%
Equity Capital
$1.6B

What these ratios mean →

Profitability metrics: Apple Bank

Return on Assets (ROA)
11th percentile nationally
0.34%
Return on Equity (ROE)
4.07%
Efficiency Ratio
78.94%

What these mean →

Income & expense at Apple Bank

$865M
Interest Income
$59M
Non-Interest Income
$354M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Apple Bank reports a Texas Ratio of 4.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Apple Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Apple Bank by assets

Apple Bank is closely matched in total assets by FirstBank Puerto Rico, Merchants Bank of Indiana, Stifel Bank and Trust, First Merchants Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.36%, versus Apple Bank's own 0.34%; the average efficiency ratio is 51.63%, versus 78.94% here; and average Tier 1 capital sits at 12.53%, versus 11.30% at Apple Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $19.2B in assets, Apple Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Apple Bank nationally by total assets
  1. 1
    FirstBank Puerto Rico $19.1B

    Santurce, PR · Grade A

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  4. 4
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  5. 5
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  6. 6
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Apple Bank (this bank) NY $19.2B 0.34% 78.94% 11.30%
FirstBank Puerto Rico PR $19.1B 1.69% 49.71% 15.60%
Merchants Bank of Indiana IN $19.4B 1.20% 43.06% 12.84%
Stifel Bank and Trust MO $19.4B 1.82% 27.28% 11.18%
First Merchants Bank IN $19.0B 1.27% 54.97% 11.86%
Trustmark Bank MS $18.9B 1.26% 62.79% 12.33%
TowneBank VA $19.7B 0.90% 71.94% 11.34%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($19.2B here), outside New York so the neighborhood is not state containment.

FirstBank Puerto Rico $19.1B · PR Merchants Bank of Indiana $19.4B · IN Stifel Bank and Trust $19.4B · MO First Merchants Bank $19.0B · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Apple Bank (FDIC Cert #16068) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Apple Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%