Apple Bank is a si headquartered in New York, New York, in business for about 163 years. At the end of Q2 2026 it reported $19.9B in total assets and $16.1B in deposits, with 79 offices across 2 states.
Apple Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 15% of its 132 banks with $10 billion – $100 billion. Among 121 banks headquartered in New York, it ranks 85th. Problem-loan coverage contributes the most (93/100, 3.7%); capital cushion contributes the least (27/100, 7.74%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (54 → 56), mostly because the loan quality component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 52 |
| Q4 2024 | 53 |
| Q1 2025 | 54 |
| Q2 2025 | 54 |
| Q3 2025 | 53 |
| Q4 2025 | 55 |
| Q1 2026 | 55 |
| Q2 2026 | 56 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.39% |
| Q3 2024 | 8.42% |
| Q4 2024 | 8.43% |
| Q1 2025 | 8.25% |
| Q2 2025 | 8.11% |
| Q3 2025 | 8.00% |
| Q4 2025 | 7.80% |
| Q1 2026 | 7.82% |
| Q2 2026 | 7.74% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $19.9B | 7.74% | 0.44% | 0.39% | 85.3% |
| Q1 2026 | 55 | $19.2B | 7.82% | 0.50% | 0.27% | 84.5% |
| Q4 2025 | 55 | $19.2B | 7.80% | 0.54% | 0.34% | 84.5% |
| Q3 2025 | 53 | $18.8B | 8.00% | 0.69% | 0.28% | 85.1% |
| Q2 2025 | 54 | $18.3B | 8.11% | 0.70% | 0.27% | 87.8% |
| Q1 2025 | 54 | $17.9B | 8.25% | 0.76% | 0.24% | 84.4% |
| Q4 2024 | 53 | $17.5B | 8.43% | 0.84% | 0.19% | 83.7% |
| Q3 2024 | 52 | $17.1B | 8.42% | 0.86% | 0.15% | 82.6% |
| Q2 2024 | 49 | $17.0B | 8.39% | 1.14% | 0.06% | 80.4% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Bank, National AssociationBank Canton, NY | 62 out of 100, Moderate | $17.4B | 7.9% | 0.50% | vs |
| State Bank of IndiaBank New York, NY | 41 out of 100, Below average | $22.5B | 0.0% | 0.00% | vs |
| Bank of BarodaBank New York, NY | 42 out of 100, Below average | $16.2B | 0.0% | 0.00% | vs |
| NBT Bank, National AssociationBank Norwich, NY | 64 out of 100, Moderate | $16.1B | 9.5% | 0.55% | vs |
| Safra National Bank of New YorkBank New York, NY | 66 out of 100, Moderate | $15.7B | 8.6% | 0.00% | vs |
| Dime Commercial BankBank Hauppauge, NY | 64 out of 100, Moderate | $15.0B | 10.7% | 0.64% | vs |
Deposit insurance
Is my money safe at Apple Bank?
Yes. Apple Bank is an FDIC-insured institution (FDIC certificate #16068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.0% of deposits ($3.4B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.12% (benchmark: 10%).
79 locations
Branches
Apple Bank lists 78 offices in 41 cities across 2 states. Most locations:
- Brooklyn, NY (17)
- New York, NY (13)
- Bronx, NY (9)
- New York City, NY (2)
- Astoria, NY (1)
- Babylon, NY (1)
- Bethpage, NY (1)
- Bronxville, NY (1)
- Cedarhurst, NY (1)
- Commack, NY (1)
- East Hampton, NY (1)
- East Setauket, NY (1)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 53 consumer complaints about APPLE FINANCIAL HOLDINGS, INC. to the company (20 in the last 12 months). 100.0% received a timely response. That is 3.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
HMDA 2025
Mortgage lending
In 2025, Apple Bank reported 31 home-loan applications under HMDA (LEI 549300N1UWZ4871DND44): 30 originated ($126,910,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Apple Bank
- Former names
- Apple Bank for Savings; Harlem Savings Bank
- Type
- SI
- FDIC certificate #
- 16068
- RSSD ID
- 249612
- Primary regulator
- FDIC
- Holding company
- Apple Financial Holdings Inc
- Established
- April 17, 1863
- Headquarters
- 122 E 42nd St, New York, NY 10168
- Website
- www.applebank.com
- Employees
- 1,260
Quick answers
Apple Bank: common questions
Is Apple Bank FDIC insured?
Yes. Apple Bank is an FDIC-insured institution (FDIC certificate #16068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Apple Bank's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Apple Bank ever failed?
There is no failure record for FDIC certificate #16068 in the FDIC failed bank list.
How many branches does Apple Bank have?
79 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |