# APPLE CREEK BANKING CO
APPLE CREEK, OH · FDIC certificate 737 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $270.6M | |
| Deposits | $243.4M | |
| Loans and leases | $232.7M | |
| Total equity | $23.7M | |
| Loans / deposits | 94.76% (p87 of band) | 73.59% |
| Liquid assets / assets | 10.84% (p5 of band) | |
| Uninsured deposits / deposits | 28.76% (p79 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.92% (p53 of band) | |
| FHLB advances / assets | 0.92% | |
| Tier 1 leverage | 9.17% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -3.92% (p61 of band) | -6.57% |
| AOCI / equity | 0.17% (p91 of band) | |
| ROA (annualized) | 1.32% (p59 of band) | 1.17% |
| Net interest margin | 5.02% (p90 of band) | 3.93% |
| Efficiency ratio | 61.36% (p38 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p53 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 53.18% (p81 of band) | |
| Auto loans | $373,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 55 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | wholesale funding >15%, capital falling |  |
| 2014-12 | 2 | leverage <7% | wholesale funding >15% |
| 2015-03 | 0 |  | capital falling, leverage <7% |
| 2015-06 | 2 | leverage <7%, reserve under noncurrent |  |
| 2015-09 | 0 |  | leverage <7%, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | assets shrinking |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | liquid assets <10% |  |
| 2026-06 | 0 |  | liquid assets <10% |

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

- 2026-01-09 [The many misconceptions about interest rates: Jim Kleinfelter - Cleveland.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQU1lsY19JUmtVTHFVRDYzN2pDZkQyZEU5SUVPY2RrRjFGLThiaGVRZzNscEQ5Y0ZzUkYtT2hCSFV1VUI5LURNTHBaUHVweDFVZ0pLMmJCVTJhZEpRMFJ4R2tRN19OQ3ZYS2lwTExzUnFoZGlYSnZKRGl4Y004cXNkMEJnX19DbXZUbWN0RUJHQ3lLOWpoTVhLZ1EtWmpJc0Nkd3ZuSEx5MHR2R2M?oc=5) · Cleveland.com
- 2026-08-31 [Freeman Building Systems Breaks Ground with The Apple Creek Banking Company - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE5zUGZpWXltLXFORVRFSG1YYzZpX0owcjI5OV9faEpCeUdZSm5fNFFQQUF1U29jX0tTbHZjOEZad2VBVUVIVF9zMEZXSWM3WEUy?oc=5) · PR.com
- 2022-08-26 [Arrest made as FBI, Canal Fulton police investigate bank robbery - Canton Repository](https://news.google.com/rss/articles/CBMixwFBVV95cUxORDZuQWpNcnlDZ0ExUkY1VDhWSWpONlJJWjZHQlBxR0VYbHRHV0FiNHRJeVhKVG95R0pZTG1xM0kyU2ZrY3praGxNSzhxMmRici0wUVhXd2RnOU5POEJtWFNKZE9ZeWFyU21ndkxLUFBMX19Oanp3ZndJdFdnakZCdEZfMmEyUVJ4NndPcUx6QUZuRko3Uko1Y2czZ1lQMENrRDNzY3paZ1lhbjVXN3BGUXFMZGtmNW5sSmQ3QXlSYUQ0ZnZ5SlVZ?oc=5) · Canton Repository
- 2024-02-16 [Leo Miller is Leadership Wooster’s Distinguished Alumni - Wooster Daily Record](https://news.google.com/rss/articles/CBMixAFBVV95cUxPZU1reTNDTW5lNmJGRzFodHpZVHZNc3FfUWNZRmF2NUptdXgxcWp3Y2F5bVMtbjZ2TmEyVkw5emw5cDNEcTBCekktLWdmV0ladzRRZTJfM1pTTGF6RVpaMldzM05uRk54cHFMcFdJdVA0bDN6VlBwSWRmZnRjNnZSSjU4SUl2S1VzV01xUndlVEJnZHBENFczdFVyODVweEpBa1JKT3k3blF0bTIxVUFENGdWN3Q3RWpVV2pNcjNmS3o0Z0o4?oc=5) · Wooster Daily Record
- 2022-08-31 [Suspect in Canal Fulton bank heist facing federal robbery charge - Canton Repository](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPTE1rNUtJTjZEeEl6aUpaTGRXN1hrWlA3dF9aVVM0Zm1YM2w1VWJTTkQwREdlWEg5RDByNU9iaC0xNGRnRGh4OTlSVEN4Zkpra1VERDZ0NVhsTWZKZnJ5dDN2YzBKdjJUY1BHUjJ3RjlaZnBUa0JDTDQ3WnQtd3VEU203SWxOeGJ5R2U2LVpyR282MUVGTFozaFF2eDYyQ3M2WUU4QnVOVlNkY1U2WEZIZTJYa2hlWXYxclc2SVlKOHlZQQ?oc=5) · Canton Repository
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2021-12-06 [Ag Toy Drive: Farm Bureau’s Young Ag Professionals continue the tradition - Wooster Daily Record](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQLUJiT1BHSUkzMVhpWnlnWUFvZDBpNnNXZTRVWVZUSG9Yb3lYNG9vRU5HdnlYUjBDbExKbnl4aTVzQmVQMEJoQVRxWmZVSFlOY0xCTGpmSU5FdnBjMThMUnpLOC1LQ2pBa3M0TzZQS0pZRDRGM0tQZWZLWDlDZGVET3NGekYzcGVsQnpxUlBjaW4zbTM3Szh6R0tpY2tMVTgxNnlPMGQ0OGprOW9FazVpN0UtMWFxWTF2cUcwVl9ZVFJDZw?oc=5) · Wooster Daily Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=737 (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/33.json (key "737", 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