Arlo Bank
BankRegReports is independent of Arlo Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Arlo Bank is an FDIC-insured commercial bank headquartered in Springfield, MO, established in 1923 (FDIC certificate 29143), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $269.1M, the 104th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.53% 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
- 29143
- Headquarters
- Springfield, MO
- Established
- 1923
- Total assets, Q2 2026
- $269.1M
- Tier 1 leverage ratio, Q2 2026
- 13.53%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 286573351
- Holding company
- ARLO FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 104th of 191 in Missouri
Arlo Bank, based in Springfield, Missouri, reported $269 million in assets at June 30, 2026, against $157 million a year earlier. It returns 3.6% a year on shareholders' equity, about a third the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 3.60% on its deposits and borrowings, about double the median of 1.80% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 2.68%. Its $40 million non-owner-occupied commercial real estate book is now fully current, after 4.60% of it was past due or on nonaccrual a year earlier. Its margin is thin by comparison: it keeps 3.14 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Arlo Bank reported a return on assets of 0.56%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.
Arlo Bank ranks as the 104th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 17.7% to $269.1M, loans rose 12.1% and deposits rose 21.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.6% of total loans, followed by non-owner-occupied commercial real estate loans at 20.9%. Its one office in the FDIC Summary of Deposits is in Springfield, MO. By the capital ratios in its Q2 2026 call report, Arlo Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4109 S National Ave, Springfield, MO 65807
- County
- Greene
- Metro Area
- Springfield, MO
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Former names
- Systematic Savings Bank (2011-2024)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $226.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $380K
- Average total assets
- $247.7M
- Average total loans
- $175.9M
- Average interest-bearing deposits
- $193.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29143
- Fed RSSD
- 717670
- SEC CIK
- 2038073 → filed by ARLO FINANCIAL HOLDINGS, INC.
- Website
- www.arlo.bank →
- Parent Holding Company
- ARLO FINANCIAL HOLDINGS, INC. (RSSD 5950119)
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, Arlo 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, Arlo Bank's total assets ran between $64.5M (Q3 2023) and $269.1M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$269.1M total assets against $157.5M; $230.7M total liabilities against $120.2M.
$188.2M net loans and leases against $100.7M; $226.6M total deposits against $116.9M.
$11.5M securities against $4.1M; $47.2M cash and balances due against $36.9M.
$3.6M total interest income against $2.3M; $1.9M total interest expense against $1.1M.
$1.8M net interest income against $1.2M.
$162K total noninterest income against $76K; $1.3M total noninterest expense against $1.1M.
$175K provision for credit losses against $125K.
$345K net income against $34K.
0.56% return on assets against 0.09%; 3.14% net interest margin against 3.50%.
13.53% tier 1 leverage ratio against 21.89%.
Inside the full Arlo Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeArlo Bank rankings
Its closest position to the top of a national ranking is 2,096 of 3,640, for Texas Ratio; its furthest is 3,187 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.98% (Q3 2024) to 1.05% (Q1 2026) and its net interest margin ran from 2.83% (Q3 2024) to 4.45% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.53% | 0.56% | 0.00% | 2.41% | 3.14% |
| Q1 2026 | 15.04% | 1.05% | 0.47% | 4.73% | 3.22% |
| Q4 2025 | 17.52% | 0.99% | 1.35% | 5.83% | 3.37% |
| Q3 2025 | 19.23% | 0.01% | 1.60% | 7.37% | 3.50% |
| Q2 2025 | 21.89% | 0.09% | 2.68% | 8.19% | 3.50% |
| Q1 2025 | 25.85% | 0.31% | 1.17% | 3.04% | 4.45% |
| Q4 2024 | 23.79% | 0.07% | 1.55% | 4.62% | — |
| Q3 2024 | 15.14% | -2.98% | 0.06% | 0.31% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Arlo Bank (main office) | Springfield , MO | 65807 | $226.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- January 25, 2011, OCC (former OTS): Supervisory Agreement: Systematic Savings and Loan Association
- Period: Most recent institution action January 25, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 136 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $6.7M approved, $1.7M 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
- 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
Add this badge to your website
Free to use. It shows Arlo Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Arlo Bank
What are Arlo Bank's total assets?
As of the Q2 2026 filing, Arlo Bank reported total assets of $269.1 million in its FFIEC call report.
Where is Arlo Bank headquartered?
It is headquartered in Springfield, MO, United States.
When was Arlo Bank founded?
It was established in 1923, per the FDIC institution directory.
Is Arlo Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Arlo Bank?
Arlo Bank's primary federal regulator is the FDIC.
How many branches does Arlo Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Arlo Bank's Texas Ratio?
Its Texas Ratio is 2.41% 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.
What was Arlo Bank previously called?
The charter now named Arlo Bank has also operated as Systematic Savings Bank (2011-2024), per FDIC structure-change records.
Go deeper on Arlo Bank.
Get an email when Arlo Bank files its next call report, and benchmark it against any peer you choose.
Unlock Arlo Bank, freeFree account