Arlo Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 6.93 percentage points in Q2 2026, from 90.85% to 83.92%. It was the largest change from Q1 2026 among the key lines here. Arlo Bank ranks 101st of 191 Missouri banks on loan-to-deposit ratio, in the lower half at 83.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Arlo Bank sits 3.37 points higher, at 83.92% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $190.1M |
| Net loans and leases | $188.2M |
| Loans held for sale | $0 |
| Loans to total assets | 70.66% |
| Loan-to-deposit ratio | 83.92% |
| Net loans to equity capital | 4.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.51% |
| Multifamily (5+ residential) | 5.76% |
| Commercial and industrial | 10.19% |
| Consumer | 0.61% |
| Credit cards | 0.00% |
| Farm | 3.26% |
| Loans to depository institutions | 0.74% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 184.44% |
| Construction concentration (Tier 1 capital + allowance) | 38.09% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.20% |
| Interest income on loans | $3.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $53.0M | $47.7M | 30.68% | 5.63% | 0.39% |
| Q4 2023 | $53.1M | $47.2M | 32.36% | 5.12% | 0.70% |
| Q1 2024 | $56.1M | $50.6M | 34.20% | 5.80% | 0.76% |
| Q2 2024 | $53.9M | $49.7M | 34.83% | 6.61% | 0.42% |
| Q3 2024 | $53.1M | $50.7M | 33.60% | 6.73% | 0.53% |
| Q4 2024 | $76.0M | $84.8M | 32.05% | 15.26% | 0.41% |
| Q1 2025 | $86.5M | $93.5M | 35.01% | 13.09% | 1.24% |
| Q2 2025 | $102.2M | $116.9M | 36.15% | 12.07% | 0.70% |
| Q3 2025 | $126.0M | $131.8M | 34.96% | 12.04% | 0.61% |
| Q4 2025 | $148.0M | $158.3M | 37.90% | 11.37% | 0.30% |
| Q1 2026 | $169.6M | $186.7M | 34.95% | 10.90% | 0.33% |
| Q2 2026 | $190.1M | $226.6M | 38.51% | 10.19% | 0.61% |
Arlo Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Arlo Bank, freeSource: Call Report Schedule RC-C, 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 Arlo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29143) · FFIEC NIC profile (RSSD 717670)