Arcadian 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.
Reserve coverage of non-performing loans climbed 4.43 percentage points in Q2 2026, from 156.22% to 160.65%. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Arcadian Bank sits 16th from the top on return on assets, 2.25% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Arcadian Bank reported 2.25% on return on assets in Q2 2026, 0.99 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.01% |
| Equity capital to assets | 11.80% |
| Tangible equity to tangible assets | 11.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.77% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 4.82% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 160.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.25% |
| Return on equity | 19.10% |
| Net interest margin | 4.61% |
| Efficiency ratio | 51.85% |
| Yield on earning assets | 6.39% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.48% |
| Core deposits to total deposits | 86.34% |
| Brokered deposits to total deposits | 8.77% |
| Deposits to assets | 85.10% |
| Securities to assets | 16.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.81% | 1.96% | 3.87% | 0.99% | 0.00% |
| Q4 2023 | 11.88% | 1.32% | 3.66% | 0.92% | -0.01% |
| Q1 2024 | 11.77% | 1.13% | 3.64% | 0.91% | -0.01% |
| Q2 2024 | 11.92% | 1.19% | 3.67% | 1.05% | -0.00% |
| Q3 2024 | 12.11% | 1.81% | 3.84% | 1.02% | -0.00% |
| Q4 2024 | 12.33% | 1.69% | 3.97% | 0.94% | 0.00% |
| Q1 2025 | 12.59% | 1.68% | 4.15% | 0.93% | 0.10% |
| Q2 2025 | 12.71% | 1.89% | 4.32% | 0.89% | 0.00% |
| Q3 2025 | 11.94% | 1.97% | 4.39% | 0.85% | 0.02% |
| Q4 2025 | 11.86% | 1.97% | 4.39% | 0.78% | -0.00% |
| Q1 2026 | 11.90% | 1.93% | 4.47% | 0.78% | 0.00% |
| Q2 2026 | 12.01% | 2.25% | 4.61% | 0.77% | -0.00% |
Arcadian Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Arcadian 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 Arcadian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10561) · FFIEC NIC profile (RSSD 1007752)