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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 34193 · DE B · 67/100

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

  • GRADE-B B (67/100)
  • LOWER-Q #3231/4307
  • PHOTO-FINISH Natbank, National As… · FL
  • TIER1-WELL 69.2% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.27% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Delaware: Natbank, National Association, FL (±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 Applied Bank

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

Morgan Stanley Bank,… · UT ·…100/100Applied Bank · DE · this bank67/100Farmers Building and… · PA ·…67/100Natbank, National As… · FL ·…67/100The Bank of Jackson · TN · n…67/100Village Bank · MN · near67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Applied Bank · July 2026

Plate reading for Applied Bank where failures stay rare

Applied Bank (FDIC Cert #34193) carries a PlainBankData health grade of B at 67/100, 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 #3,231 of 4,307. Tier 1 capital prints at 69.23%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.27%. Balance-sheet scale is $263M, 2,679th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Natbank, National Association (FL), 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 Applied Bank

Zero FAILURE resolutions in Delaware since 2000

Applied Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST REPUBLICBANK DELAWARE NEWARK, DE 1988 → CITIBANK DELAWARE

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

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.

0/100100/100National avg77/10067/100
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 Assets

$263M

Total balance-sheet footings

Total Deposits

$221M

Customer-funded liabilities

Net Loans

$55M

Outstanding loan book

Net Income

$724K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% 60% 70% 80% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 67.83% 69.23% 70.63%
Basel III capital ratios - Applied Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 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. Applied 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

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: Applied Bank

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

What these ratios mean →

Profitability metrics: Applied Bank

Return on Assets (ROA)
9th percentile nationally
0.27%
Return on Equity (ROE)
1.66%
Efficiency Ratio
95.55%

What these mean →

Income & expense at Applied Bank

$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.

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

Top banks in Delaware by total assets

Largest banks headquartered in Delaware
  1. 1
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  2. 2
    TD Bank $346.2B

    Wilmington, DE · Grade A

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  5. 5
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($263M here), outside Delaware so the neighborhood is not state containment.

Davis Trust Company $263M · WV Madison Valley Bank $262M · MT The Commercial Bank $264M · SC Lee Bank and Trust Company $262M · VA

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.

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

Other banks in Delaware

All Delaware banks →
BankAssetsGradeROA
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%