Apple Bank (FDIC #16068): Bank Stress & Real-Estate Credit Exposure
Apple Bank (FDIC Cert #16068): bank stress 89/100, severe, STABLE over 7 days; parent APPLE FINANCIAL HOLDINGS INC.
Apple Bank (#16068) lends in 12 counties across 2 states; Apple Bank (#16068) reaches 631 ZIP codes: New York 9 counties, 491 ZIPs; New Jersey 3 counties, 140 ZIPs.
Apple Bank (#16068) largest markets: Suffolk County, NY (1,090 branches, 109 ZIPs) (#16068), Westchester County, NY (468 branches, 78 ZIPs) (#16068), New York County, NY (980 branches, 70 ZIPs) (#16068), Nassau County, NY (770 branches, 70 ZIPs) (#16068), Queens County, NY (408 branches, 68 ZIPs) (#16068), Bergen County, NJ (66 branches, 66 ZIPs) (#16068).
Apple Bank (#16068) reports $19.89 billion in total assets; Apple Bank (#16068) equity $1.60 billion (8.1% of Apple Bank (#16068) assets); Apple Bank (#16068) domestic deposits $16.13 billion; Apple Bank (#16068) net income $38.3 million; Apple Bank (#16068) return on assets 0.39%; Apple Bank (#16068) return on equity 4.83%; Apple Bank (#16068) net interest income $211.0 million; Apple Bank (#16068) call report June 30, 2026.
Apple Bank (#16068) noncurrent real-estate loans: none reported; Apple Bank (#16068) net charge-offs on real estate 0.00%.
Apple Bank (#16068) net interest margin 2.31% against an eight-quarter Apple Bank (#16068) average of 2.27% (Apple Bank (#16068) compression -0.03 points); Apple Bank (#16068) rate-exposure score 40/100, Apple Bank (#16068) fixed-rate trap 40/100; Apple Bank (#16068) risk type credit driven; Apple Bank (#16068) rate regime rates elevated, Apple Bank (#16068) snapshot October 19, 2026.
Apple Bank (#16068) stress score moved from 89.7 on June 22, 2026 to 89.5 on October 19, 2026; Apple Bank (#16068) ranged 89.5 to 89.7 over 116 snapshots.
Apple Bank (#16068) alerts: 12 counties; top Apple Bank (#16068) alert scores: Bronx County, NY 51 (elevated); New York County, NY 50 (moderate); Brooklyn County, NY 29 (low); Englewood County, NY 29 (low); Iselin County, NY 29 (low).