Harlem at the time was a suburban village - it was not part of New York City until 1873 - and the bank's first location on 3rd Avenue between 125th and 126th Streets was surrounded by farms and undeveloped lots.

In 1966, the bank opened a branch in Manhasset, New York, on Long Island as the population growth shifted to the suburbs.

[4] Created as the German Savings Bank in 1858, Central Savings Bank counted Daniel F. Tiemann, then Mayor of New York, as a charter member and operated out of the Cooper Union building before moving to a location at 14th Street and 4th Avenue in 1864.

[5] The acquisition gave the bank an additional seven branches including the Apple Bank Building at 2112 Broadway between West 73rd and West 74th Streets, a designated historic landmark designed by York and Sawyer in the Palazzo style of Renaissance Revival architecture,[6] as well as two branches in Nassau County on Long Island.

This acquisition gave Apple a total of 77 branches in the New York metropolitan area and close to $13 billion in assets.

[21][22] In June 2015, the bank opened a second branch in the Bay Ridge section of Brooklyn, at 426 86th Street.

[26] In May 2022, Apple Bank established an Equipment Finance Group, led by Ken Walters and a team of seven.

The move aimed to take advantage of the strong performance and protection that secured loans and leases offer across a range of credit conditions, particularly financing "Critical Use" equipment, which served as a solid asset class within C&I lending.