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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Apple Creek, OH · FDIC certificate #737
APPLE CREEK BANKING CO is an FDIC-insured institution based in Apple Creek, OH (FDIC certificate #737). In its Q3 2026 Call Report it reported total assets of $280M, total deposits of $248M and net loans of $241M. Its primary federal regulator is FED.
Plain-language readout
APPLE CREEK BANKING CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $280M in Q3 2026 and were lowest at $261M in Q1 2026.
Total deposits were highest at $248M in Q3 2026 and lowest at $234M in Q1 2026.
Over the whole period total assets rose 7.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $280M | $248M | $241M | 1.22% | 13.83% | 5.03% |
| Q2 2026 | $271M | $243M | $231M | 1.32% | 14.92% | 5.02% |
| Q1 2026 | $261M | $234M | $225M | 1.38% | 15.56% | 5.01% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.9M | $7.7M | +$201K | +2.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $21.5M | $17.6M | +$3.9M | +21.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $196K | $0K | +$196K | n/a |
| Net loans and leases (after allowance) | $230.4M | $224.7M | +$5.7M | +2.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.6M | $3.5M | +$62K | +1.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $221K | $229K | -$8K | -3.5% |
| All other assets | $6.8M | $7.4M | -$609K | -8.2% |
| Total assets | $270.6M | $261.2M | +$9.4M | +3.6% |
| Liabilities | ||||
| Total deposits | $243.4M | $233.9M | +$9.4M | +4.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.5M | $2.0M | +$500K | +25.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.0M | $1.7M | -$722K | -41.7% |
| Total liabilities | $246.9M | $237.7M | +$9.2M | +3.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $380K | $380K | $0K | 0.0% |
| Surplus | $4.0M | $4.0M | $0K | 0.0% |
| Retained earnings | $20.1M | $19.9M | +$135K | +0.7% |
| Accumulated other comprehensive income | -$734K | -$779K | +$45K | +5.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.7M | $23.5M | +$180K | +0.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $25.6M | $25.3M | +$290K | +1.1% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 11.04% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 11.04% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 0.92% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 11.96% | Not reported | See points |
| Tier 1 leverage (approximate) | 9.17% | 9.34% | -0.17 pts | See points |
| Construction and land loans to total capital | 47.53% | 41.86% | +5.66 pts | See points |
| Commercial real estate to total capital | 178.88% | 170.86% | +8.01 pts | See points |
| Dividend payout, year to date | 40.62% | 0.00% | +40.62 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.80% | -4.06% | +0.25 pts | See points |
| Liquidity | ||||
| Core deposits | $235.2M | $228.5M | +$6.6M | +2.9% |
| Non-core funding | $10.7M | $7.4M | +$3.3M | +44.2% |
| Loans to core deposits | 98.87% | 99.21% | -0.34 pts | See points |
| Loans to deposits | 95.53% | 96.91% | -1.38 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | -0.00 pts | See points |
| Pledged securities share of securities | 62.79% | 75.13% | -12.33 pts | See points |
| Loans pledged, share of loans | 29.38% | 29.94% | -0.57 pts | See points |
| Volatile liabilities | $12.5M | $7.4M | +$5.0M | +67.7% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.2M | +$1.3M | +103.5% |
| Earnings before provision, single quarter | $1.3M | $1.2M | +$44K | +3.5% |
| Provision for credit losses, year to date | $144K | $4K | +$140K | +3500.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.49% | 6.45% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.62% | 3.62% | -0.01 pts | See points |
| Total interest income to average assets | 5.90% | 5.83% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.61% | 0.58% | +0.03 pts | See points |
| Cost of savings and money market deposits | 1.59% | 1.41% | +0.18 pts | See points |
| Cost of time deposits | 3.28% | 3.59% | -0.31 pts | See points |
| Total interest expense to average assets | 1.15% | 1.10% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $280M | $248M | $241M | 1.22% | 13.83% | 5.03% |
| 2026-06-30 | $271M | $243M | $231M | 1.32% | 14.92% | 5.02% |
| 2026-03-31 | $261M | $234M | $225M | 1.38% | 15.56% | 5.01% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $235.8M | 0.04% | 94 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.