Applied Bank (FDIC certificate #34193) is based in Wilmington, Delaware. Its Q2 2026 call report shows $274.1M in total assets and $228.6M in deposits and 2 offices.
Based on its Q2 2026 filing, Applied Bank scores 93/100, which we describe as very strong. That is higher than 98% of 2,650 banks with $100 million – $1 billion. Among 17 banks headquartered in Delaware, it ranks 4th. Its strongest component is capital cushion (100/100; 17.49%), and its lowest is funding & liquidity (50/100; 24% loans-to-deposits, 64% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 93).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 93 |
| Q4 2024 | 93 |
| Q1 2025 | 93 |
| Q2 2025 | 93 |
| Q3 2025 | 93 |
| Q4 2025 | 78 |
| Q1 2026 | 93 |
| Q2 2026 | 93 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.46% |
| Q3 2024 | 18.35% |
| Q4 2024 | 15.01% |
| Q1 2025 | 15.95% |
| Q2 2025 | 16.66% |
| Q3 2025 | 18.17% |
| Q4 2025 | 14.77% |
| Q1 2026 | 16.31% |
| Q2 2026 | 17.49% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.06% |
| Q3 2024 | 4.10% |
| Q4 2024 | 4.06% |
| Q1 2025 | 3.55% |
| Q2 2025 | 3.81% |
| Q3 2025 | 3.73% |
| Q4 2025 | 0.27% |
| Q1 2026 | 2.83% |
| Q2 2026 | 2.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $274.1M | 17.49% | 0.00% | 2.54% | 24.2% |
| Q1 2026 | 93 | $258.1M | 16.31% | 0.00% | 2.83% | 25.6% |
| Q4 2025 | 78 | $262.7M | 14.77% | 0.00% | 0.27% | 24.9% |
| Q3 2025 | 93 | $266.8M | 18.17% | 0.00% | 3.73% | 24.7% |
| Q2 2025 | 93 | $274.1M | 16.66% | 0.00% | 3.81% | 23.9% |
| Q1 2025 | 93 | $277.1M | 15.95% | 0.00% | 3.55% | 24.6% |
| Q4 2024 | 93 | $259.0M | 15.01% | 0.00% | 4.06% | 26.3% |
| Q3 2024 | 93 | $278.4M | 18.35% | 0.00% | 4.10% | 21.9% |
| Q2 2024 | 93 | $217.8M | 20.46% | 0.00% | 4.06% | 30.2% |
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 Delaware
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BNY Mellon Trust of DelawareBank Wilmington, DE | 72 out of 100, Strong | $254.9M | 29.6% | 2.48% | vs |
| Stifel Trust Company Delaware, National AssociationBank Greenville, DE | 82 out of 100, Strong | $329.5M | 11.4% | 0.00% | vs |
| Deutsche Bank Trust Company DelawareBank Newark, DE | 93 out of 100, Very strong | $141.4M | 93.2% | 0.00% | vs |
| Community Bank DelawareBank Lewes, DE | 61 out of 100, Moderate | $443.6M | 8.6% | 0.24% | vs |
| County BankBank Rehoboth Beach, DE | 93 out of 100, Very strong | $696.4M | 15.4% | 0.30% | vs |
| Artisans' BankBank Wilmington, DE | 64 out of 100, Moderate | $718.2M | 10.4% | 0.74% | vs |
Deposit insurance
Is my money safe at Applied Bank?
Yes. Applied Bank is an FDIC-insured institution (FDIC certificate #34193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 64.1% of deposits ($146.6M) 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 17.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 78.67% (benchmark: 10%).
2 locations
Branches
Applied Bank lists 2 offices in 2 cities. Most locations:
- Rehoboth Beach, DE (1)
- Wilmington, DE (1)
Identity & history
Profile
- Legal name
- Applied Bank
- Former names
- Cross Country Bank; Applied Card Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34193
- RSSD ID
- 2467670
- Primary regulator
- FDIC
- Established
- July 1, 1996
- Headquarters
- 2200 Concord Pike, Wilmington, DE 19803
- Website
- www.appliedbank.com
- Employees
- 27
Quick answers
Applied Bank: common questions
Is Applied Bank FDIC insured?
Yes. Applied Bank is an FDIC-insured institution (FDIC certificate #34193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Applied Bank's TellerScore?
93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Applied Bank ever failed?
There is no failure record for FDIC certificate #34193 in the FDIC failed bank list.
How many branches does Applied Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wilmington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| B. Braun Federal Credit UnionCredit union Allentown, PA | 100 out of 100, Very strong | $1.9M | 25.1% | 0.00% | vs |
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |
| Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA | 94 out of 100, Very strong | $71.6M | 25.3% | 0.69% | vs |
| Deutsche Bank Trust Company DelawareBank Newark, DE | 93 out of 100, Very strong | $141.4M | 93.2% | 0.00% | vs |
| The National Bank of MalvernBank Malvern, PA | 93 out of 100, Very strong | $224.0M | 16.5% | 0.10% | vs |