Apple River State Bank
Apple River, IL
IDRSSD: 594938
Total Assets
$638.56M
Latest filing
Total Deposits
$520.90M
Latest filing
Net Interest Margin
3.19%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Apple River State Bank
103 Main St
Apple River, IL 61001
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/05/1948FDIC Certificate 11442
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Apple River State Bank (Main) | 103 Main St | Apple River, IL |
| HANOVER BRANCH | 215 Jefferson St | Hanover, IL |
| ELIZABETH BRANCH | 112 N Main St | Elizabeth, IL |
| WARREN BRANCH | 135 E Main St | Warren, IL |
| SCALES MOUND BRANCH | 510 Main St | Scales Mound, IL |
| GALENA BRANCH | 101 Exchange St | Galena, IL |
| HAZEL GREEN BRANCH | 3525 N Percival St | Hazel Green, WI |
| APPLE RIVER STATE BANK - DARLINGTON OFFICE BRANCH | 207 Wells St | Darlington, WI |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/05/1948 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61001 |
| State and County Number | 17085 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 62 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/01/1955 |
| Primary Insurance Agency | DIF |
| Website | www.appleriverstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 17453 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $638.56M |
| Total Deposits | $520.90M |
| Total Liabilities | $588.56M |
| Total Equity Capital | $50.00M |
| Net Income | $2.20M |
| Net Loans and Leases | $387.20M |
| Assets Per Employee ($Millions) | $10.14M |
| Bank Premises and Fixed Assets | $4.49M |
| Cash and Balances due from Depository Institutions | $53.20M |
| Deposits Held in Domestic Offices | $520.90M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 17.77% |
| Net Interest Margin | 3.19% |
| Efficiency Ratio | 57.59% |
| Tier 1 Risk-Based Capital Ratio | 14.205% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.83% |
| Earning Assets to total Assets | 94.55% |
Income and Expense
| Total Interest Income | $7.88M |
| Total Noninterest Income | $926.00k |
| Total Interest Expense | $3.08M |
| Total Noninterest Expense | $3.30M |
| Net Interest Income | $4.80M |
| Pre-tax Net Operating Income | $2.32M |
| Provision for Credit Losses | $109.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $37.56M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $26.78M |
| All Other Liabilities | $3.31M |
| Total Liabilities and Capital | $638.56M |
Securities
| Securities | $173.81M |
| Available-for-sale debt securities | $162.12M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $11.69M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Apple River State Bank?
$638.56M as of the latest filing.
How much are Apple River State Bank's total deposits?
$520.90M in total deposits.
Where is Apple River State Bank located?
Apple River, IL.
What is the Net Interest Margin?
3.19%.
How many domestic offices does it operate?
8.
When was it established?
01/05/1948.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$387.20M (latest filing).
What is the total interest income (latest filing)?
$7.88M.