B
Apple River State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Apple River State Bank
Apple River, IL
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Rating B
Asset Quality Index 8.80
Capitalization Index 7.50
Liquidity Index 2.90
Profitability Index 5.30
Stability Index 5.10
Company Info Apple River State Bank
Apple River, IL
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FDIC Number 17453
Phone Number (815) 594-2351
Website www.appleriverstatebank.com
Asset Quality Apple River State Bank
Apple River, IL
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1-Year Asset Growth 7.43%
5-Year Asset Growth 14.00%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 0.32%
Non-Performing Loans to Loans 0.04%
Balance Sheet Apple River State Bank
Apple River, IL
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Total Assets 637.61M
Total Deposits 516.03M
Capital and Reserves Apple River State Bank
Apple River, IL
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Capital 48.85M
Leverage Ratio 9.33
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio 15.11
Liquidity Apple River State Bank
Apple River, IL
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Hot Money Ratio 22.81%
Liquidity Ratio 18.45%
Profitability Apple River State Bank
Apple River, IL
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5-Year Return on Average Assets 1.18%
Net Income 6.16M
Net Interest Spread 2.97%
Operating Profit to Average Assets 1.36%
Overhead Efficiency Ratio 56.76%
Return on Assets 1.30%
Return on Equity 19.12%