Apple Bank
New York, New York · FDIC Cert #16068
Apple Bank is an FDIC-insured bank (Certificate #16068) with $17.0B in total assets and $14.5B in total deposits as of the Q2 2024 Call Report. Headquartered in New York, New York, the bank maintains a Tier 1 capital ratio of 11.87% (Well-Capitalized) and a nonperforming loan ratio of 1.14%. BankHealthData assigns a composite Health Grade of B (71/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Apple Bank (FDIC cert 16068) is a large bank with $17.0B in total assets and $14.5B in deposits, headquartered in New York, New York. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 11.87% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.14% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.05% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Apple Bank carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Apple Bank
- Total Assets
- $17.0B
- Total Deposits
- $14.5B
- Tier 1 Capital Ratio
- 11.87%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.14%
- Liquidity Ratio
- 24.24%
- Return on Assets
- 0.05%
- Headquarters
- New York, New York
- FDIC Certificate
- #16068
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Apple Bank holds a Tier 1 capital ratio of 11.87%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Apple Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Apple Bank shows strong financial health indicators. With $17.0B in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Apple Bank Compares
Apple Bank’s Health Score of 71 is 0 points above the New York state average of 71 across 130 FDIC-insured banks. Its 11.87% Tier 1 capital ratio is 2.1 points below the US banking industry average near 14%. The 1.14% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.05% is below the national ROA benchmark of ~1.1%. Among 110 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, Apple Bank is 1 points above the portfolio average of 70.
Frequently Asked Questions
Apple Bank has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.87%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Apple Bank's Tier 1 capital ratio of 11.87% and nonperforming loan ratio of 1.14% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Apple Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16068). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Apple Bank holds $17.0B in total assets and $14.5B in total deposits. It is headquartered in New York, New York (FDIC Certificate #16068).
Apple Bank has a Tier 1 capital ratio of 11.87%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.14%, and the return on assets is 0.05%.
Yes. Apple Bank is FDIC-insured (Certificate #16068). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Apple Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.