Monday, August 15, 2022

 Applied Bank: Healthiest Bank in the U.S.

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According to Depositaccount.com, Applied Bank was selected as the “healthiest Bank in the USA” in 2021. For this analysis, nearly 4,000 banks were evaluated. “As Applied Bank selected as No – I healthiest bank in the U.S., we are very proud of that,” said Rocco Abessinio, CEO, Applied Bank.

Applied Bank

Applied Bank, Wilmington, Delaware, has been providing financial services to its community since 1996. The applied bank is a Delaware State Chartered Bank insured under the Federal Deposit Insurance Corporation (FDIC). As the top bank in D.E. and one of the healthiest banks in the nation, Applied bank maintains a good customer base all over the U.S.

HQ of the Applied bank is located in Wilmington, DE 19803, and the second branch is located in Rehoboth Beach, DE 19971.

Asset protection, Commercial Banking, Personal Banking, and Credit Cards are the leading financial services provided by Applied Bank. In addition, applied bank also plays a vital role in the real estate sector in D.E, as an FDIC insured, equal housing lender.

Health Grade Components of the Applied Bank (data as of Q2 2021)

Texas Ratio A+ (0.0%) As of 30 June 2021, Applied Bank has loans value on non-current loans and owned 41.32 $ Mn inequity. This position gives the Applied bank zero value in the Texas Ration where the threshold value is 100.0%
Deposit Growth 22.53%

Cumulative – $169.0Mn

During the past year, Applied Bank increased the deposit base by $31.6Mn and recorded a 23.53% deposit growth rate compared to the past year.
Capitalization Level 19.60% As per the FDIC and NCUA standards, banks have to maintain a higher level of capital to create a more significant buffer on non-performing loans. As the healthiest bank in the U.S, the Applied Bank recorded a 19.60% of Capitalization level.

To explore more on Applied Bank’s interest rates and services, please click here.

Community Involvement of the Applied Bank

Bank itself recognized its responsibility for society as the bank’s success depends on the amount of support given by the community.  The Delaware Financial Literacy Program, United Way, The Ministry of Caring, Interfaith Community Housing of Delaware are activities and campaigns that Applied Bank initiated and supported.

 U.S Bank Industry Through the Pandemic

The Global financial crisis that started in 2008 caused heavy damage to the U.S economy and economies in low to high-level economies worldwide. COVID  – 19 pandemic also done a similar level of damage to the U.S Economy.

While recovering from the pandemic condition, U.S Banks and credit unions represent the spearhead of the economy. There are around 10,000 banks and credit unions operating in the U.S. Most of them are limited to their states. However, some are playing a significant role in the banking industry and financial market nationwide and worldwide, like JPMorgan Chase bank, the largest bank in the nation, PNC Financial, U.S Bank, Trusts Banks, and Wells Fargo.

U.S stock market, banks in America had a great year in 2019 compared to 2018. S&P 200 index showed total returns of 31.49 in 2019. In 2018 the index was limited to the total return of -4.38.

The S&P 500 index in the year 2021 is 19.91, and the dividend return indicates 1.20. Also, there are many means to demonstrate the curing of the U.S economy and financial market.

The relief packages introduced by the Federal Government help a lot have the mid and low-level economy slabs.

Here are some of the relief packages deployed by the government;

  •         For personal banking customers: Corona Stimulus Checks, Mortgage Assistance, U.S Bank ReliaCard, and Focus Card.
  •         For small business owners: SBA PPaycheck Protection Program (PPP) Economic Injury Disaster Loan, SBA Restaurant Revitalization Fund (RRF).
  •         For corporate and commercial customers: SBA venue operators grant applications and RRF

Remedial actions helped banks, credit unions, and citizens overcome the financial difficulties in a fast phase.

 How to evaluate the health status of your bank?

 The idea of evaluating the banks and credit unions to find the healthiest and worst banks, credit unions popped up with the financial crisis in 2008. In the curing period, experts focused on the economic system of the country. They made the analysis process to identify the healthiest banks and watchlist the incoming worst cases.

So If you did not care about the financial health of the credit union or your bank, you should be. 

According to depositaccounts.com, they have a unique formula to evaluate the bank’s performance and rank. In addition, the procedure helps to determine the financial health condition of the bank.

The formula includes Texas Ratio, Deposit Growth and Capitalization, and some other critical financial ratios.

The Texas ratio is a way to define the overall credit problems experienced by the bank. The formula compares the total value of the risky loans to the full value of the deposits to cover the risk loans. When the ratio hits the 100% threshold, the bank is at significant risk. This is an effective and straightforward way to calculate the banks’ risk position.

Deposits are liabilities of a bank. But deposit growth rate over time indicates the trustworthiness and the confidence of the customers towards the bank. Therefore, increasing the deposits helps strengthen the balance sheet, enhance the liquid asset base, and smoothen the lending activities.

The capital value of the bank is a reliable information source that indicates the financial position and the strength of the bank. So, if you need more information on the formula, please visit depositaccounts.com.

Did you notice these early warning signals?

 According to expert’s viewpoints, banks are showing some early warning signals before starting to be unhealthy. Some vital signs that you can quickly notice are below mentioned.

Cross-cutting and decline service – banks have started to decline their usual services and introduce VRS schemes to their employees.

Lower the interest rate on deposits  – A low interest rate means minimizing the deposit cost of the bank. But if you notice the interest rate is far underrated compared with other banks in the region, it is a warning signal. Also, the loan rates may not go down comparatively to interest rates you may think of leave.

 Lower values offered for brokered CDs in the secondary market can get a higher value than those issued by a more robust financial institute in the secondary market. So if your bank’s health is weak, you may get less weight than invested on the CDs in the secondary market.

Delays in withdrawing money – When your bank requests additional time to arrange your withdrawals, other than you have asked for a significant amount in small denominations, you can figure out that there is a red light.

Additional fees and hassles for customers, firing staff are some other vital signs of an unhealthy bank. We believe this article will help to understand the importance of the health status of your bank. However, we do not provide any advice on investing or carry financial transactions.

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