Total Assets
$263M
Total balance-sheet footings
FDIC Cert #34193 · Wilmington, Delaware · Est. 1996
Applied Bank - FDIC Bank Health Profile
A community-scale look at Applied Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $263M
- Total assets
- B
- Health grade · Good
- 0.27%
- Return on assets
- 69.2%
- Tier 1 capital
Data updated July 2026
The verdict
Applied Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 69.23% Tier 1, 0.27% ROA, 96% efficiency ratio.
- #2,679
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 69.23%
- Tier 1 ratio - above the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Applied Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Applied Bank's composite health score
Tier 1 Capital Ratio (69.23%) 40/40
Return on Assets (ROA) (0.27%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (95.55%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$221M
Customer-funded liabilities
Net Loans
$55M
Outstanding loan book
Net Income
$724K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Applied Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Applied Bank's score of 67/100 falls in the highlighted band.
Applied 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). Applied Bank's $263M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
69.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
69.23%
Texas Ratio
0.00%
Equity Capital
$41M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.27%
Return on Equity (ROE)
1.66%
Efficiency Ratio
95.55%
What the numbers say about Applied Bank
Applied Bank is an FDIC-insured institution (Certificate #34193) headquartered in Wilmington, Delaware, established in 1996. It holds $263M in total assets - 2,679th of 4,313 FDIC-insured banks, $221M in customer deposits, and $55M in net loans. Capital-wise, the Tier 1 ratio sits at 69.23%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Applied Bank sits 13th of 16 banks headquartered in Delaware by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$2M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Applied Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Delaware by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Applied Bank (FDIC Cert #34193) - 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.
Other banks in Delaware
All Delaware banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| PNC Bank, National AssociationWilmington | $568.3B | A | 1.30% |
| TD Bank, National AssociationWilmington | $346.2B | A | 0.54% |
| Santander Bank, N.A.Wilmington | $104.1B | A | 1.36% |
| Barclays Bank DelawareWilmington | $47.6B | B | 0.87% |
| TD Bank USA, National AssociationWilmington | $34.6B | A | 1.16% |
| Wilmington Savings Fund Society, FSBWilmington | $21.2B | A | 1.43% |
| Comenity BankWilmington | $7.8B | A | 4.91% |
| Wilmington Trust, National AssociationWilmington | $773M | A | 7.95% |
Frequently asked questions
What is Applied Bank's health grade?▼
Applied Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Applied Bank?▼
Applied Bank holds $263M in total assets and $221M in deposits, ranking 2,679th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wilmington, Delaware.
Is my money safe at Applied Bank?▼
Yes, deposits at Applied Bank (Certificate #34193) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Applied Bank's Tier 1 Capital Ratio?▼
Applied Bank has a Tier 1 Capital Ratio of 69.23%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Applied Bank?▼
Applied Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Applied Bank?▼
Applied Bank has an Efficiency Ratio of 95.55%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Applied Bank's profile as a depositor or analyst.
- Applied Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Applied Bank against other Delaware banks before moving funds. Delaware banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.