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Apple River State Bank
Apple River, IL · FDIC Certificate #17453 · Chartered 01/0
Total assets
$675.23M
Total deposits
$548.30M
Total equity
$52.56M
Net loans
$394.30M
Branches (offices)
8
Net income (YTD)
$5.08M
Rank: #1,408 of 4,213 U.S. banks by assets · #80 of 322 in Illinois. Assets changed 7.1% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 19.80% |
| Net interest margin (YTD) | 3.27% |
| Equity to assets | 7.78% |
| Tier 1 leverage ratio | 9.74% |
| Uninsured deposits (share of deposits) | 29.5% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 71.9% |
| Real estate loans (share of loans) | 77.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $303.71M | 77.0% | |
| Commercial & industrial | $37.22M | 9.4% | |
| Consumer / individual | $11.53M | 2.9% | |
| Construction & development | $9.98M | 2.5% | |
| Agricultural | $38.24M | 9.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $529.86M | $452.87M | $2.95M | $29.17M |
| Jun 2023 | $547.74M | $462.94M | $2.37M | $31.05M |
| Jun 2024 | $582.48M | $468.77M | $2.17M | $35.75M |
| Jun 2025 | $630.37M | $514.59M | $3.97M | $43.54M |
| Jun 2026 | $675.23M | $548.30M | $5.08M | $52.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $502.07M | 6 |
| Wisconsin | $46.22M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $548.30M.
Similar-sized banks
Springs Valley Bank & Trust Company ($675.31M) · Ps Bank ($674.54M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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