The Apple Creek Banking Company: how it compares with its peers
Against 64 OH banks with half to twice its assets, The Apple Creek Banking Company's strongest measure in Q2 2026 is net interest margin (5.02% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $5.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 0.91% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.02% | 3.74% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.36% | 72.35% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $5.9M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.76% | 81.33% | Context |
What it means for lending operations
Its efficiency ratio of 61.36% is better than the 72.35% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Harrison Building and Loan Association Harrison, OH · $268M
- The First National Bank of Dennison Dennison, OH · $267M
- The Wilmington Savings Bank Wilmington, OH · $267M
- Greenville Federal Greenville, OH · $264M
- First Bank of Ohio Tiffin, OH · $278M
Questions about The Apple Creek Banking Company
How big is The Apple Creek Banking Company?
The Apple Creek Banking Company, established in 1904, is headquartered in Apple Creek, OH. It reported $271M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Apple Creek Banking Company's return on assets?
1.32% annualized in Q2 2026, against a 0.91% median for 64 OH banks with half to twice its assets, ahead of 77% of them.
What is The Apple Creek Banking Company's efficiency ratio?
61.36% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 72.35%, and lower is better.
Is The Apple Creek Banking Company growing its loans?
Net loans grew 8.1% over the year to Q2 2026, while deposits grew 3.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.