# APPLE BANK
NEW YORK, NY · FDIC certificate 16068 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $19.89B | |
| Deposits | $16.13B | |
| Loans and leases | $13.81B | |
| Total equity | $1.60B | |
| Loans / deposits | 85.28% (p47 of band) | 85.78% |
| Liquid assets / assets | 24.65% (p58 of band) | |
| Uninsured deposits / deposits | 21.01% (p20 of band) | 38.39% |
| Brokered deposits | 6.74% | |
| Wholesale funding | 15.96% (p80 of band) | |
| FHLB advances / assets | 9.22% | |
| Tier 1 leverage | 7.74% (p10 of band) | 10.17% |
| Unrealized securities loss / equity | -12.56% (p24 of band) | -7.43% |
| AOCI / equity | -0.39% (p46 of band) | |
| ROA (annualized) | 0.39% (p10 of band) | 1.24% |
| Net interest margin | 2.31% (p11 of band) | 3.57% |
| Efficiency ratio | 80.24% (p96 of band) | |
| Noncurrent loans | 0.44% (p24 of band) | 0.66% |
| Net charge-offs (annualized) | 0.03% (p26 of band) | |
| Reserve coverage of noncurrent | 89.19% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.00% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $3.82B (238% of equity) (p95 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 1260 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | brokered >10% |  |
| 2012-06 | 4 | wholesale funding >15% |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 | leverage <7% | wholesale funding >15% |
| 2013-09 | 3 |  | brokered >10% |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | brokered >10% |  |
| 2014-12 | 2 |  | brokered >10% |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | brokered >10% |  |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 2 |  | brokered >10% |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | leverage <7% |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | NIM <2.5% |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | NIM <2.5% |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 | expense ratio p90 | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 4 | leverage <7% |  |
| 2021-03 | 3 | reserve under noncurrent | capital falling, leverage <7% |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 3 | loans-to-lenders >50% equity | NIM <2.5%, capital falling |
| 2023-03 | 1 |  | expense ratio p90, reserve under noncurrent |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 5 | losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2024-06 | 4 |  | losing money |
| 2024-09 | 5 | deposits shrinking |  |
| 2024-12 | 4 |  | deposits shrinking |
| 2025-03 | 4 |  |  |
| 2025-06 | 6 | wholesale funding >15%, capital falling |  |
| 2025-09 | 5 |  | wholesale funding >15% |
| 2025-12 | 6 | wholesale funding >15% |  |
| 2026-03 | 4 |  | capital falling, wholesale funding >15% |
| 2026-06 | 5 | wholesale funding >15% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-16 [Apple Bank Partners with St. John’s Men’s Basketball to Support City Harvest - St. John's University Athletics](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNNXBtTWp5R1NtMExKdHJuWGkzU1NEcW40b3lqVXBpMFJ0Tjl2N1pTQklNNGdYX2RucVZKbDNleElyVmNQS3lObjBYYm5oWWI0dldDQjdxOTRpek14VVB1dFB6VXVrc1JaUnI0UnpUX3lVend1MGNTN1JCWUN1b1M5bnZDQzBwTUlfN1FfMTN2QXQ4RFM1RnhFaHg2Y3J4d2lsekZQNE9QblViME1lTWNPdjBZYk5sb1JuMWhFMVNSU3g?oc=5) · St. John's University Athletics
- 2026-04-28 [Just in Time (and Temp): Apple Bank’s Display Is Back on UWS - chelseanewsny.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNbkZPVnVpZDhTUXZqcW9QeFI2YXpvTExIaXQwRkJ4UExQWEl5aU5KVEFpMjQzejFaOW5kZzhDTG9oZTJXZDdWSHBsTVZVcWpRdENUbV9RbXJ4VUgxcjFIdU0tNHVKTVd4TEl0bTFTaGlXYTlLTDVEM3ZpQjhGc2lqR0tVZU5mdHJ0SGdvenVXUjBRWmg5Vkl4SmprQThVQllkRmIzcw?oc=5) · chelseanewsny.com
- 2026-03-24 [Apple Bank CD Rates 2026 - Forbes](https://news.google.com/rss/articles/CBMicEFVX3lxTFBRdTM2LVVEY2ZyUmYyRXE4amJGaWpuN3E4dWNHbU9mVHFPRWgtb0RPRFFBNnctaWwwSUJOUlJiQTdDd2ZybHN3SEFBazE4OWdUUEFnWVFZMENZci1BOVIya2FqR2RxOE1PZldsNHhkSlk?oc=5) · Forbes
- 2026-03-03 [Community banks should grab the opportunities created by stablecoins - American Banker](https://news.google.com/rss/articles/CBMisgFBVV95cUxQQS1JdmlpQ3FoXzRBd2ZKWDJhbWJ6ellOajliNUdJVGRfUlNudmtscjg3NWFHbHVPTXhHZEhOQ3VaODI5ZlZEVFdhZG83alpydVlsdnQ2dU43UEpGZDFfZkdpZ3lUb3NYQXlBNkJtenJNbVZ3cEdhNzJQWjBYQUY2ZVFrbzEyTVhtSDR5UlN5aUdjSVZTV3hwSTR5MnZyWERCUWt1OHVoTGNKR0RHbnEwaFBn?oc=5) · American Banker
- 2025-10-02 [Zarb Expands Financial Literacy Program With Apple Bank - Hofstra University News](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdXNjU0RDdlRkVWo1UmNrell1clJaR3hyTEVLeHJTRTlDem5aaEFZRzU3RXAzNnpNQk8td0NibWQ1QzUwbEZVSlg1c3Fzci1vejNRR2hPRjgydGY1cDUwZTcxcEJURDBkbjE3T2hfSzJhWF81azlNSDdDME1JUXRFdTVGdzlONlpjb2R0TVBvM1htOXR5RnVB?oc=5) · Hofstra University News
- 2026-02-17 [Berkshire Buys New York Times Stock; Sells Apple, Bank of America, Amazon In 4Q - Barron's](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRXFFbnE2c1ZiUTQzV3YyS3hjODlHbG9aTU5FODVRaXBoNG80eHJPV0N2OHZ1TzRCUnI2Y0RXRzZmWC01S01qMGw5c1A1OWtfRmY4ajBySk4yYVVoTlpXR3NHSkFWYXBVYzctQ0VKWnk2OU9tZF84bnF1andYS0EyX2Vn?oc=5) · Barron's
- 2025-10-09 [Eagle Point, Apple Bank launch Newton Commercial Finance - Equipment Finance News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPRms0X2IxaTN2TnBuMlBPcjNTM3JhOUMxVzY3b1VIY0RRSEJrdzJERzNGb01XNzRSdDh5ODJSUFVCanA5U2lMNFc3MVhRSGNXVlFpZ2s4X2k2VnF2RkZpT1hxWjkwb0gwNkJpcmlja2JlZXpZczF1UWZhcE5mc2E1OXppWjRUUjEtZ0ZtZERkMHFxV0tpUFcydWVfdU5zUXlpWFR2RENB?oc=5) · Equipment Finance News
- 2025-10-08 [Eagle Point and Apple Bank Establish Newton Commercial Finance, a New Platform for Infrastructure Project and Equipment Financing - Business Wire](https://news.google.com/rss/articles/CBMikwJBVV95cUxQa1d3MkFpT0NNZTF1bmdxbEJQcmFlbUJDbHJuXzVPaW5BaUtWRVNiNFUtTy1UWGdXX1h1dkZSU2JYOVhaTC1EZzltejZCQ3BuR0Y4SHQ1c3A5NmZiMmsxamlrRDhVcEFCX1QtOWNIVmRpUGFnamhHRmVsN2NsY25fb09fbzVKVEpxS1BGM3hjOE1EanZtXzVPQWpNYkl0SHVYM3ZsWldpV1h4Ti12Q0lqRk85ZVpZeEd2UG03cVRnZTJvZXEtTm14M1gyczNMS2FCMjQzcGtTcXpsZ1hGTzhxenRFbEhOZnNKYmN6aFRYN0M0VGp6WmNFRnVKc1lLWGx1Tk81UUFOVEVySTMtdmtSeTZaSQ?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16068 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "16068", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide