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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Apple Bank

New York, New York · $19.89B in assets · beside the 11 other New York banks over $10B

The filing

8.1%
Equity / assets
8th of 8
0.39%
ROA
8th of 8
80.2%
Efficiency
8th of 8

Apple Bank is the fourth largest of the 12 New York banks nearest its size over $10B, with $19.89B in assets at 30 June 2026. Loans are 85.6% of deposits, 7th of 12 against a median of 84.8%, and equity is 8.1% of assets, the lowest in the cohort. Loans grew +6.6% in the year, 6th of 12, and deposits grew 9.9%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.44% of the book, 5th of 12 against a median of 0.53%; 0.06% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 49.4% of loans, 11th of 12 against a median of 30.7%, and 436% of capital, above the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 0.39%, the lowest in the cohort against a median of 0.98%, on an efficiency ratio of 80.2%, the highest in the cohort. Five years ago it was 0.29%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 0.0% of loans).

Return on assetsNY banks over $10B · 30 June 2026 · higher is stronger, listed first
median 0.98% NB NBT Bank National Association 1.21% CB Community Bank National Association 1.17% DC Dime Commercial Bank 1.00% PB Popular Bank 0.98% DB Deutsche Bank Trust Co. Americas 0.98% SN Safra National Bank of New York 0.97% ID Israel Discount Bank of NY 0.75% AB Apple Bank 0.39%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% SN Safra National Bank of New York +24.8% BH Bank Hapoalim Bank M +16.4% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% ID Israel Discount Bank of NY +3.9% PB Popular Bank +3.4% NB NBT Bank National Association +2.1% SB State Bank of India -1.4% DC Dime Commercial Bank -1.6% DB Deutsche Bank Trust Co. Americas -3.7%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Apple BankRankCohort median
Total CRE against capital, the 300% screen436%8th of 8239%
Construction against capital, the 100% screen0%1st of 815%
Construction and land development, share of loans0.0%2nd of 122.2%
Non-owner-occupied nonfarm nonresidential, share of loans18.0%4th of 818.5%
Total CRE, the guidance definition, share of loans49.4%11th of 1230.7%
CRE growth over 36 months, the third prong+5.4%4th of 10+18.8%
Commercial real estate against capital, the 300% screenNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 239% DB Deutsche Bank Trust Co. Americas 40% SN Safra National Bank of New York 102% CB Community Bank National Association 201% NB NBT Bank National Association 228% ID Israel Discount Bank of NY 250% PB Popular Bank 311% DC Dime Commercial Bank 355% AB Apple Bank 436%
CRE growth over 36 months, the guidance's third prongNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median +18.8% Bo Bank of China -34.3% DC Dime Commercial Bank -23.1% DB Deutsche Bank Trust Co. Americas -9.3% AB Apple Bank +5.4% SN Safra National Bank of New York +11.9% PB Popular Bank +25.7% CB Community Bank National Association +31.8% ID Israel Discount Bank of NY +40.7% NB NBT Bank National Association +71.2% BH Bank Hapoalim Bank M +134.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Safra National Bank of New York$15.69B1.0%61.7%0.00%0.00%0.8%26.4%8.6%
Dime Commercial Bank$15.03B1.0%49.7%0.64%0.34%1.0%84.0%11.3%
Popular Bank$15.03B1.0%55.2%0.39%0.06%0.8%98.7%14.4%
Israel Discount Bank of NY$14.39B0.8%67.1%1.18%0.16%0.9%80.9%10.2%
Bank Hapoalim Bank M$11.04Bno recordno record1.92%no recordno record104.9%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Apple BankCohort median
20212026Change20212026Change
Loans$10.51B$13.81B+31%$7.81B$11.53B+48%
Deposits$14.40B$16.13B+12%$9.82B$13.42B+37%
NPA / loans0.74%0.44%-0.30 pts0.60%0.53%-0.07 pts
Efficiency82.2%80.2%-1.9 pts65.7%60.5%-5.2 pts
ROA0.29%0.39%+0.10 pts0.87%0.98%+0.11 pts

This read was prepared for Apple Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Apple Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.applebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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