Arbor Bank
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Data as of · sourced from FFIEC call reports. How we update
Arbor Bank is an FDIC-insured commercial bank headquartered in Nebraska City, NE, established in 1991 (FDIC certificate 33450), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $701.7M, up 11.5% from Q2 2025, the 25th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 11.02% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33450
- Headquarters
- Nebraska City, NE
- Established
- 1991
- Total assets, Q2 2026
- $701.7M
- Assets vs Q2 2025
- +11.5%
- CET1 ratio, Q2 2026
- 11.02%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 104900527
- Holding company
- OAKLAND FINANCIAL SERVICES, INC.
- Asset rank in state
- 25th of 138 in Nebraska
Arbor Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $702 million at June 30, 2026, up 11.5% from a year earlier; it is based in Nebraska City, Nebraska. It holds common equity equal to 11.02% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also carries problem assets equal to 9.2% of the capital and reserves that would absorb them, 3.5 times the median of 2.6% for banks its size. It has also been growing, with assets up 11.5% in a year.
Earnings jumped: net income for the quarter was $2.3 million, 57% above the same quarter a year earlier. Its $134 million commercial and industrial book is improving, with 3.65% past due or on nonaccrual, down from 5.92% a year earlier.
As of June 30, 2026, Arbor Bank reported a CET1 capital ratio of 11.02%, a return on assets of 1.27%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 9.19%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Arbor Bank is the 25th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $701.7M, loans rose 4.0% and deposits fell 3.8%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 22.4% of total loans, followed by 1-4 family residential loans at 19.9%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 2 states; its Omaha office books 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Arbor Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 911 Central Ave, Nebraska City, NE 68410
- County
- Otoe
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1991
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 135
- Domestic deposits
- $607.8M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $28K
- Average total assets
- $714.3M
- Average total loans
- $583.8M
- Average interest-bearing deposits
- $491.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1991
- FDIC Cert
- 33450
- Fed RSSD
- 1872941
- SEC CIK
- 1931246 → filed by OAKLAND FINANCIAL SERVICES, INC.
- Website
- http://www.arborbanking.com →
- Parent Holding Company
- OAKLAND FINANCIAL SERVICES, INC. (RSSD 1203125)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Arbor Bank's total assets ranged from $583.0M (Q4 2023) to $711.5M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$701.7M total assets against $629.4M; $640.6M total liabilities against $574.1M.
$591.3M net loans and leases against $526.6M; $607.8M total deposits against $556.8M.
$50.5M securities against $59.9M; $38.9M cash and balances due against $22.5M.
$10.4M total interest income against $8.9M; $3.1M total interest expense against $2.9M.
$7.2M net interest income against $6.0M.
$1.5M total noninterest income against $1.4M; $6.2M total noninterest expense against $5.7M.
$175K provision for credit losses against $100K.
$2.3M net income against $1.4M.
1.27% return on assets against 0.92%; 4.19% net interest margin against 3.97%.
11.02% CET1 capital ratio against 11.25%; 8.69% tier 1 leverage ratio against 9.07%.
Inside the full Arbor Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeArbor Bank rankings
Its closest position to the top of a national ranking is 713 of 3,640, for Texas Ratio; its furthest is 1,948 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.86% (Q1 2025) to 1.28% (Q3 2025) and its net interest margin ran from 3.16% (Q4 2024) to 4.19% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.02% | 1.27% | 1.03% | 9.19% | 4.19% |
| Q1 2026 | 11.21% | 1.02% | 0.90% | 7.90% | 3.99% |
| Q4 2025 | 10.91% | 1.20% | 0.87% | 7.73% | 3.33% |
| Q3 2025 | 10.90% | 1.28% | 1.19% | 10.68% | 4.16% |
| Q2 2025 | 11.25% | 0.92% | 1.36% | 11.96% | 3.97% |
| Q1 2025 | 11.68% | 0.86% | 0.47% | 3.96% | 4.01% |
| Q4 2024 | 11.91% | 1.09% | 0.20% | 1.68% | 3.16% |
| Q3 2024 | 11.34% | 1.17% | 0.22% | 1.89% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Omaha Branch | Omaha , NE | 68130 | $199.6M |
| Arbor Bank, Oakland Branch | Oakland , IA | 51560 | $125.5M |
| Arbor Bank (main office) | Nebraska City , NE | 68410 | $114.1M |
| Omaha - Antler View | Elkhorn , NE | 68022 | $103.0M |
| First Community Bank Branch | Sidney , IA | 51652 | $49.2M |
| Arbor Bank - Hamburg Branch | Hamburg , IA | 51640 | $16.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2011 | Structure Change | Acquired First Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2007 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in NE, rank 46 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 537 applications, 457 loans originated, $137.6M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 13 loans, $4.9M approved, $379K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Arbor Bank
What are Arbor Bank's total assets?
As of the Q2 2026 filing, Arbor Bank reported total assets of $701.7 million in its FFIEC call report.
Where is Arbor Bank headquartered?
It is headquartered in Nebraska City, NE, United States.
When was Arbor Bank founded?
It was established in 1991, per the FDIC institution directory.
Is Arbor Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Arbor Bank?
Arbor Bank's primary federal regulator is the FDIC.
What is Arbor Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.02% in its Q2 2026 call report, above regulatory requirements.
How many branches does Arbor Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Arbor Bank's Texas Ratio?
Its Texas Ratio is 9.19% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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