Apple River State Bank (FDIC certificate #17453) is based in Apple River, Illinois. Its Q2 2026 call report shows $675.2M in total assets and $548.3M in deposits and 8 offices across 2 states.
Based on its Q2 2026 filing, Apple River State Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 122nd. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is capital cushion (47/100; 9.74%).
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 (72 → 74), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 72 |
| Q3 2025 | 73 |
| Q4 2025 | 71 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.22% |
| Q3 2024 | 9.13% |
| Q4 2024 | 9.05% |
| Q1 2025 | 9.24% |
| Q2 2025 | 9.26% |
| Q3 2025 | 9.33% |
| Q4 2025 | 9.30% |
| Q1 2026 | 9.62% |
| Q2 2026 | 9.74% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.33% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $675.2M | 9.74% | 0.24% | 1.57% | 71.9% |
| Q1 2026 | 74 | $630.2M | 9.62% | 0.23% | 1.52% | 77.0% |
| Q4 2025 | 71 | $638.6M | 9.30% | 0.23% | 1.33% | 74.3% |
| Q3 2025 | 73 | $637.6M | 9.33% | 0.05% | 1.32% | 73.6% |
| Q2 2025 | 72 | $630.4M | 9.26% | 0.06% | 1.28% | 71.9% |
| Q1 2025 | 72 | $611.4M | 9.24% | 0.03% | 1.21% | 74.6% |
| Q4 2024 | 69 | $616.8M | 9.05% | 0.02% | 0.93% | 71.7% |
| Q3 2024 | 68 | $593.5M | 9.13% | 0.11% | 0.88% | 72.1% |
| Q2 2024 | 67 | $582.5M | 9.22% | 0.15% | 0.77% | 72.7% |
2,650 peers · $100 million – $1 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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Constitution Bank, National AssociationBank Hillsboro, IL | 68 out of 100, Moderate | $683.1M | 10.2% | 0.62% | vs |
| MidAmerica National BankBank Canton, IL | 42 out of 100, Below average | $685.0M | 9.9% | 4.37% | vs |
| BankOrionBank Orion, IL | 60 out of 100, Moderate | $688.1M | 9.7% | 1.18% | vs |
| Peoples Bank & TrustBank Pana, IL | 64 out of 100, Moderate | $656.6M | 10.7% | 1.58% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Stillman BancCorp N.A.Bank Stillman Valley, IL | 66 out of 100, Moderate | $645.6M | 9.2% | 0.65% | vs |
Deposit insurance
Is my money safe at Apple River State Bank?
Yes. Apple River State Bank is an FDIC-insured institution (FDIC certificate #17453). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.5% of deposits ($161.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.64% (benchmark: 10%).
8 locations
Branches
Apple River State Bank lists 8 offices in 8 cities across 2 states. Most locations:
- Apple River, IL (1)
- Darlington, WI (1)
- Elizabeth, IL (1)
- Galena, IL (1)
- Hanover, IL (1)
- Hazel Green, WI (1)
- Scales Mound, IL (1)
- Warren, IL (1)
Identity & history
Profile
- Legal name
- Apple River State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17453
- RSSD ID
- 594938
- Primary regulator
- FDIC
- Holding company
- First Apple River Corp
- Established
- January 5, 1948
- Headquarters
- 103 Main St, Apple River, IL 61001
- Website
- www.appleriverstatebank.com
- Employees
- 63
Quick answers
Apple River State Bank: common questions
Is Apple River State Bank FDIC insured?
Yes. Apple River State Bank is an FDIC-insured institution (FDIC certificate #17453). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Apple River State Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Apple River State Bank ever failed?
There is no failure record for FDIC certificate #17453 in the FDIC failed bank list.
How many branches does Apple River State Bank have?
8 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Apple River
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bellevue State BankBank Bellevue, IA | 92 out of 100, Very strong | $187.7M | 14.3% | 0.16% | vs |
| Mound City BankBank Platteville, WI | 86 out of 100, Very strong | $550.7M | 13.1% | 0.11% | vs |
| Conservation First BankBank Benton, WI | 82 out of 100, Strong | $127.5M | 14.0% | 0.74% | vs |
| Community First BankBank Boscobel, WI | 78 out of 100, Strong | $634.1M | 11.0% | 0.32% | vs |
| Dupaco Community Credit UnionCredit union Dubuque, IA | 77 out of 100, Strong | $3.5B | 13.3% | 0.77% | vs |
| Community BankBank Winslow, IL | 75 out of 100, Strong | $310.8M | 16.0% | 1.50% | vs |