Arlo 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.
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 has the 12th lowest return on assets of the 191 banks headquartered in Missouri, at 0.56% as of Q2 2026. Arlo Bank's return on assets of 0.56% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.53% |
| Equity capital to assets | 14.27% |
| Tangible equity to tangible assets | 12.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.86% |
| Texas ratio | 2.41% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.56% |
| Return on equity | 3.61% |
| Net interest margin | 3.14% |
| Efficiency ratio | 65.94% |
| Yield on earning assets | 6.45% |
| Cost of funds | 3.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.92% |
| Core deposits to total deposits | 68.82% |
| Brokered deposits to total deposits | 12.04% |
| Deposits to assets | 84.20% |
| Securities to assets | 4.29% |
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 | 16.96% | 0.12% | 2.52% | 2.20% | 0.00% |
| Q4 2023 | 16.66% | 2.72% | 2.86% | 0.02% | 0.00% |
| Q1 2024 | 16.18% | 0.08% | 2.71% | 0.02% | 0.00% |
| Q2 2024 | 15.72% | -0.48% | 2.65% | 0.08% | 0.00% |
| Q3 2024 | 15.14% | -2.98% | 2.83% | 0.06% | 0.08% |
| Q4 2024 | 23.79% | 0.07% | 4.39% | 1.55% | -0.06% |
| Q1 2025 | 25.85% | 0.31% | 4.45% | 1.17% | 0.00% |
| Q2 2025 | 21.89% | 0.09% | 3.50% | 2.68% | 0.00% |
| Q3 2025 | 19.23% | 0.01% | 3.50% | 1.60% | 0.17% |
| Q4 2025 | 17.52% | 0.99% | 3.37% | 1.35% | 0.00% |
| Q1 2026 | 15.04% | 1.05% | 3.22% | 0.47% | 0.00% |
| Q2 2026 | 13.53% | 0.56% | 3.14% | 0.00% | 0.86% |
Arlo Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Arlo 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 Arlo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29143) · FFIEC NIC profile (RSSD 717670)