# APPLIED BANK
WILMINGTON, DE · FDIC certificate 34193 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $274.1M | |
| Deposits | $228.6M | |
| Loans and leases | $55.6M | |
| Total equity | $44.5M | |
| Loans / deposits | 24.20% (p6 of band) | 73.59% |
| Liquid assets / assets | 79.34% (p96 of band) | |
| Uninsured deposits / deposits | 64.11% (p99 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.13% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.49% (p86 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.54% (p94 of band) | 1.17% |
| Net interest margin | 3.83% (p45 of band) | 3.93% |
| Efficiency ratio | 42.35% (p5 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 27.00% (p61 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 0 |  | NIM <2.5% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2013-03 | 3 | uninsured deposits >50% | uninsured deposits leaving, capital falling |
| 2013-06 | 2 |  | uninsured deposits >50% |
| 2013-09 | 2 | uninsured deposits >50% | deposits shrinking |
| 2013-12 | 2 | capital falling | assets shrinking |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | uninsured deposits leaving |
| 2016-03 | 1 |  | deposits shrinking, assets shrinking |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 1 | uninsured deposits >50% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | capital falling | reserve under noncurrent |
| 2018-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 | reserve under noncurrent | capital falling |
| 2019-03 | 4 |  |  |
| 2019-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, reserve under noncurrent |
| 2019-09 | 1 | uninsured deposits >50% |  |
| 2019-12 | 3 | capital falling, deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2020-03 | 0 |  | capital falling, deposits shrinking, assets shrinking |
| 2020-06 | 0 |  |  |
| 2020-09 | 3 | capital falling, deposits shrinking, assets shrinking |  |
| 2020-12 | 1 |  | deposits shrinking, assets shrinking |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 3 | uninsured deposits >50% |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 1 |  | capital falling, NIM <2.5% |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | uninsured deposits >50% |
| 2023-12 | 3 | uninsured deposits >50% | uninsured deposits leaving |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | deposits shrinking, assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | deposits shrinking |  |
| 2025-12 | 2 | expense ratio p90 | deposits shrinking |
| 2026-03 | 3 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2026-06 | 1 |  | deposits shrinking, assets shrinking |

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

- 2013-10-13 [Applied Bank Center redefines former Rollins Building - Delawareonline.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNRVFuSGJlYmlYNWlZaDZNaGwwVFUtaUluYjQ1SU53RVYweEJoRzlFZnFKazhSZTMwYU9McHE2Nmo0UWN5bzJncGNia2gyeTMzZWtoU0Z6VWk4ampTV0RqdTVzQnJKcHpMZV9IU2JqSU9XVGpUNjFQNXAxNFlkTExhekU4Smgxbko0VVJLZndnMW8xZUxXTEs5ZldPT2tnNTlfRHNXZEx6QmFsZmhqRDdxZHR2NA?oc=5) · Delawareonline.com
- 2022-04-26 [Wilmington economic development chief Flynn departs - Delaware Business Times](https://news.google.com/rss/articles/CBMickFVX3lxTE5CQ3lzWE52d2xmNWhDM2t4Rjgyb0k3YWJfYlRLdUVJQTVRZnprXzU3OTJkQTNuOVN4UU01Wm96Y0N6YjBKd0JVdHc5WGVkUHMxc0g0UTBzdzNRa21hbWN6TzlLZzRqdGNlclE3Yzhxb2s2dw?oc=5) · Delaware Business Times
- 2024-02-20 [Rocco A. and Mary Abessinio Foundation Makes $6 Million Transformational Gift to Beebe Medical Foundation - Beebe Healthcare](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQZnp3M01mYWtGaVU5ajVWQWh3ako5LU1Bbk5UMFBqM0FaZ0g5bWw1c0VDbnNrNWlHQTFwTXdUTkZ4TTlIXzk4THN2ZEE0a2RMQVVPRXh6T3RwWkNMOEo4b2haTWIyV0tDMTR0RTJBakxHcElVU2dZdmdsaVlSbUctNEFRUm9ab2RCNmJIRjBQUzhMc2NhRWhnYlBMU1lncHh4WGQ0eHhHUVRDdFpYbHB0SWI3NXNqR0tpVUs4MEtFQ0xkdw?oc=5) · Beebe Healthcare
- 2018-07-03 [Applied Bank hosts Howard Schroeder exhibit - Cape Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxOdVo2LU1INDN5T1hYb0lSbGtobW9CZ2FtMWNqNjhYUEx2cGt6eG5CcUZnZDdWNDRvVEZzYzQwMVpIVE9wSnpmRGlWMm41d0s4YmR5OXA3R1Q3c0VKMl9iLTlNOFNCbVhvX1VWcm9xVll2TnpDay1XQWZpbjFrX01fWFpFUkRUZUV6cUNwQVBn?oc=5) · Cape Gazette
- 2022-11-13 [State police: Fentanyl arrest, DUI's, unneighborly behavior - Delco Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWUNtZjM2eHcwRGFDdEd2ZmhVaDZGclM5TUI3b3k3LWF2MkJscFI4THM5dVRteXg5LU41Tm1iR0xTVFE1c1lMeVhSVmRqaEVZeUlFZmpDdzNrVHgwczF3TTJEdkVaMzJUWVNFNE4wXzJYZTVWLVcxSzQ3STEycFFqYWx2a25qa3JWWmc?oc=5) · Delco Times
- 2011-05-10 [Meet a Painting Legend - Delaware Today](https://news.google.com/rss/articles/CBMib0FVX3lxTFBVM0Njc0RiNW5aSk1wU1Q2MF9nRHRxUUFtNDRfNll2WXNfWFpZVFdHWnR2S05mQm95NmhqMmFXMFlGeF9WNlRQaVE4TmpETnZlNTN5bHhBWG5TZnBBLVRaS0NFaWUwcmVrcVdGZzJuRdIBd0FVX3lxTFBtQ2tSM3hoUFVvUVlXZ05lWGdwUUJ2TkhHU1RlS3RNLUdrUmpZX2NjVlc4NjhFV2RGRGJUQ2kyZVlaeXlBSU13eUVLNkx3ME8xUmh1UUdwVWxYM3VsRXhQRVQyXy1VUkhqUUpiTWxOSm84UUJNVkU0?oc=5) · Delaware Today
- 2021-06-04 [Carl Kruelle has been appointed as Chief Investment Officer at Blue Water Development - Hospitality Net](https://news.google.com/rss/articles/CBMickFVX3lxTE1TWGhxWUlBUGhVQzBDMFh1Q3RfS2ZYNzJfQk1UVGdOOVVwT2tQREsxRkVCSmpCWkNUaUQxdWV3WC1uYjJkNEE4N09FSTBSUE9Ob2dtWWZlODl1NXcxd1Uxa1dxZlNMQkcwb21JbUt6akNGUQ?oc=5) · Hospitality Net
- 2022-04-29 [People on the Move: April 29 - Delaware Business Times](https://news.google.com/rss/articles/CBMijwFBVV95cUxQaXAtWHdjeHkzbVZQOEVPUXJrNHc4cnpobVlSd3ZqUHhqMGxXcDVaS29nOEZKWXlzY0hFeHI0UjQ0RUdUeVJjVnl4RjQ0bXFQNnhEY0thT1ZGUVB4THYtbnV6dGgxREdudUQtSVJad05OY0J6TUJxWFd2TmdyOG8yOGRVQkZJUlB4M0FJNWJxb9IBlwFBVV95cUxPaVc0TWtORVFvbGJNRTZJdHVoTVphZ1FiOWNsYTUwUGJHTEdZMU5FazdFWFhIRk5Nc2RJazc3MVQxWktXOHZqZWFBb3VrcksxUmtHVlJkWUphcGFEbzJFanBEVzVLWGdfVmtHMWRMeEhybDBGa3NxT3Zzb3lwY3g5eC1QU1RKa3k5NXZPbFZEb3h6dm5yMjFF?oc=5) · Delaware Business Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34193 (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/17.json (key "34193", 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.

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