Arbor Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.28 percentage points lower than in Q1 2026, at 95.89%. Within Nebraska, Arbor Bank is 80th of 138 on return on assets, 1.27% as of Q2 2026. At 1.27%, Arbor Bank's return on assets is close to the 1.26% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.02% |
| Tier 1 risk-based capital ratio | 11.02% |
| Total risk-based capital ratio | 12.06% |
| Tier 1 leverage ratio | 8.69% |
| Equity capital to assets | 8.70% |
| Tangible equity to tangible assets | 8.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.88% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 9.19% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 95.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 14.95% |
| Net interest margin | 4.19% |
| Efficiency ratio | 70.75% |
| Yield on earning assets | 6.01% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.26% |
| Core deposits to total deposits | 96.09% |
| Brokered deposits to total deposits | 0.34% |
| Deposits to assets | 86.62% |
| Securities to assets | 7.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.26% | 12.26% | 13.41% | 9.67% | 0.88% |
| Q4 2023 | 12.49% | 12.49% | 13.64% | 9.68% | 0.77% |
| Q1 2024 | 11.83% | 11.83% | 12.96% | 9.24% | 0.55% |
| Q2 2024 | 11.67% | 11.67% | 12.81% | 8.80% | 0.88% |
| Q3 2024 | 11.34% | 11.34% | 12.44% | 9.01% | 1.17% |
| Q4 2024 | 11.91% | 11.91% | 13.03% | 9.33% | 1.09% |
| Q1 2025 | 11.68% | 11.68% | 12.79% | 9.29% | 0.86% |
| Q2 2025 | 11.25% | 11.25% | 12.33% | 9.07% | 0.92% |
| Q3 2025 | 10.90% | 10.90% | 11.96% | 9.02% | 1.28% |
| Q4 2025 | 10.91% | 10.91% | 11.95% | 9.06% | 1.20% |
| Q1 2026 | 11.21% | 11.21% | 12.26% | 8.91% | 1.02% |
| Q2 2026 | 11.02% | 11.02% | 12.06% | 8.69% | 1.27% |
Arbor Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Arbor Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Arbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33450) · FFIEC NIC profile (RSSD 1872941)