Arcadian Bank
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Data as of · sourced from FFIEC call reports. How we update
Arcadian Bank is an FDIC-insured commercial bank headquartered in Hartland, MN, established in 1912 (FDIC certificate 10561), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $242.1M, up 6.8% from Q2 2025, the 103rd largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10561
- Headquarters
- Hartland, MN
- Established
- 1912
- Total assets, Q2 2026
- $242.1M
- Assets vs Q2 2025
- +6.8%
- Tier 1 leverage ratio, Q2 2026
- 12.01%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091210375
- Latest call report
- Q2 2026, FFIEC 051 · Arcadian Bank call report
- Holding company
- MINNESOTA COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 103rd of 221 in Minnesota
Arcadian Bank is one of the more profitable banks of its size. Based in Hartland, Minnesota, it had $242 million in assets at June 30, 2026, up 6.8% from a year earlier. It earns about $2.25 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 4.61 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 52 cents to bring in each dollar of revenue.
Net income for the quarter rose 28% from a year earlier, to $1.3 million.
As of June 30, 2026, Arcadian Bank reported a return on assets of 2.25%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.60%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Arcadian Bank is the 103rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $242.1M, loans fell 0.5% and deposits rose 0.9%. Farmland and other real estate loans made up 20.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.5%. Its 3 offices in the FDIC Summary of Deposits are in Albert Lea, MN, Hartland, MN and Freeborn, MN; its Albert Lea office books 79% of its branch deposits. Judged on its Q2 2026 call report, Arcadian Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 601 Broadway St, Hartland, MN 56042
- County
- Freeborn
- Metro Area
- Albert Lea, MN
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 19, 1912
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $206.1M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $239.2M
- Average total loans
- $181.9M
- Average interest-bearing deposits
- $164.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10561
- Fed RSSD
- 1007752
- SEC CIK
- 1589885 → filed by MINNESOTA COMMUNITY BANCSHARES, INC.
- Website
- www.arcadian.bank →
- Parent Holding Company
- MINNESOTA COMMUNITY BANCSHARES, INC. (RSSD 4523440)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Arcadian Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Arcadian Bank's total assets ran between $204.9M (Q3 2023) and $242.1M (Q2 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
$242.1M total assets against $226.8M; $213.6M total liabilities against $199.4M.
$180.1M net loans and leases against $169.5M; $206.1M total deposits against $191.4M.
$40.4M securities against $39.3M; $8.7M cash and balances due against $5.3M.
$3.6M total interest income against $3.2M; $1.0M total interest expense against $975K.
$2.6M net interest income against $2.3M.
$297K total noninterest income against $227K; $1.5M total noninterest expense against $1.4M.
$35K provision for credit losses against $61K.
$1.3M net income against $1.0M.
2.25% return on assets against 1.89%; 4.61% net interest margin against 4.32%.
12.01% tier 1 leverage ratio against 12.71%.
Inside the full Arcadian Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeArcadian Bank rankings
Its closest position to the top of a national ranking is 280 of 3,611, for ROA; its furthest is 2,905 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.68% (Q1 2025) to 2.25% (Q2 2026) and its net interest margin ran from 3.84% (Q3 2024) to 4.61% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.01% | 2.25% | 0.10% | 0.60% | 4.61% |
| Q1 2026 | 11.90% | 1.93% | 0.13% | 0.81% | 4.47% |
| Q4 2025 | 11.86% | 1.97% | 0.10% | 0.61% | 4.39% |
| Q3 2025 | 11.94% | 1.97% | 0.12% | 0.74% | 4.39% |
| Q2 2025 | 12.71% | 1.89% | 0.15% | 0.94% | 4.32% |
| Q1 2025 | 12.59% | 1.68% | 0.16% | 1.00% | 4.15% |
| Q4 2024 | 12.33% | 1.69% | 0.18% | 1.16% | 3.97% |
| Q3 2024 | 12.11% | 1.81% | 0.23% | 1.44% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Albert Lea Branch | Albert Lea , MN | 56007 | $162.2M |
| Arcadian Bank (main office) | Hartland , MN | 56042 | $26.9M |
| Freeborn Branch | Freeborn , MN | 56032 | $16.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 135 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.6M approved, $396K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Arcadian Bank
What are Arcadian Bank's total assets?
As of the Q2 2026 filing, Arcadian Bank reported total assets of $242.1 million in its FFIEC call report.
Where is Arcadian Bank headquartered?
It is headquartered in Hartland, MN, United States.
When was Arcadian Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Arcadian Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10561). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Arcadian Bank?
Arcadian Bank's primary federal regulator is the FDIC.
How many branches does Arcadian Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Arcadian Bank's Texas Ratio?
Its Texas Ratio is 0.60% 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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