TellerScore

The Apple Creek Banking Company (FDIC certificate #737) is based in Apple Creek, Ohio. Its Q2 2026 call report shows $270.6M in total assets and $243.4M in deposits and 6 offices.

The Apple Creek Banking Company has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 81st. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (42/100, 9.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.17%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 94.8% · 28.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 3 points (67 → 70), mostly because the capital cushion component improved by 6 points.

TellerScore
646770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202465
Q1 202567
Q2 202567
Q3 202567
Q4 202567
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%7.17%9.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.01%
Q3 20248.14%
Q4 20248.10%
Q1 20258.58%
Q2 20258.64%
Q3 20258.88%
Q4 20258.84%
Q1 20269.34%
Q2 20269.17%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.77%1.07%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.88%
Q4 20241.01%
Q1 20251.16%
Q2 20251.17%
Q3 20251.12%
Q4 20251.12%
Q1 20261.38%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$270.6M9.17%0.00%1.32%94.8%
Q1 202670$261.2M9.34%0.00%1.38%96.1%
Q4 202567$260.1M8.84%0.00%1.12%94.4%
Q3 202567$264.5M8.88%0.00%1.12%93.0%
Q2 202567$258.0M8.64%0.00%1.17%90.4%
Q1 202567$256.4M8.58%0.00%1.16%89.8%
Q4 202465$256.3M8.10%0.00%1.01%87.3%
Q3 202465$257.3M8.14%0.00%0.88%85.2%
Q2 202464$254.8M8.01%0.00%0.77%84.1%

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).

Capital ratio9.17%
15th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
59th
Return on assets1.32%
54th
Net interest margin5.02%
92nd
Efficiency ratio61.4%
53rd
Loans to deposits94.8%
17th
Uninsured deposits28.8%
32nd
Loan-loss reserves0.90%
17th
Texas ratio0.0%
95th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Riverside Bank of DublinBank Dublin, OH58 out of 100, Moderate$269.0M9.1%0.38%vs
The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
The First National Bank of DennisonBank Dennison, OH71 out of 100, Strong$267.4M10.3%0.22%vs
The Wilmington Savings BankBank Wilmington, OH72 out of 100, Strong$267.3M14.6%0.82%vs
Greenville FederalBank Greenville, OH57 out of 100, Moderate$263.9M7.8%0.09%vs
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs

Deposit insurance

Is my money safe at The Apple Creek Banking Company?

Yes. The Apple Creek Banking Company is an FDIC-insured institution (FDIC certificate #737). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.8% of deposits ($70.0M) 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 9.17%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The Apple Creek Banking Company lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Apple Creek Banking Company reported 94 home-loan applications under HMDA (LEI 254900SJONZGRA3CJM44): 70 originated ($14,090,000 total), 5 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, 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
The Apple Creek Banking Company
Type
State-chartered bank (Fed member)
FDIC certificate #
737
RSSD ID
213912
Primary regulator
FED
Holding company
Apple Creek Banc Corp
Established
February 1, 1904
Headquarters
3 W Main St, Apple Creek, OH 44606
Employees
55

Quick answers

The Apple Creek Banking Company: common questions

Is The Apple Creek Banking Company FDIC insured?

Yes. The Apple Creek Banking Company is an FDIC-insured institution (FDIC certificate #737). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Apple Creek Banking Company's TellerScore?

70 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 The Apple Creek Banking Company ever failed?

There is no failure record for FDIC certificate #737 in the FDIC failed bank list.

How many branches does The Apple Creek Banking Company have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Apple Creek

InstitutionScoreAssetsCapitalProblem loansCompare
Brewster Federal Credit UnionCredit union Brewster, OH95 out of 100, Very strong$32.9M18.4%0.56%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Harvest Federal Credit UnionCredit union Heath, OH84 out of 100, Strong$43.9M12.8%0.30%vs
Stark Federal Credit UnionCredit union Canton, OH83 out of 100, Strong$217.7M13.3%0.76%vs
Dover-Phila Federal Credit UnionCredit union Dover, OH83 out of 100, Strong$812.6M13.3%0.91%vs
New Horizon Federal Credit UnionCredit union Barberton, OH82 out of 100, Strong$44.9M13.2%0.17%vs