Arrow Bank N.A.: 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 dropped 201.48 percentage points in Q2 2026, from 706.83% to 505.35%. It was the largest change from Q1 2026 among the key lines here. Within New York, Arrow Bank N.A. is 51st of 105 on return on assets, 1.00% as of Q2 2026, above the middle of the field. Arrow Bank N.A. reported 1.00% on return on assets for Q2 2026, 0.27 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.71% |
| Tier 1 risk-based capital ratio | 12.71% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 9.33% |
| Equity capital to assets | 9.50% |
| Tangible equity to tangible assets | 8.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 1.99% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 505.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 10.30% |
| Net interest margin | 3.45% |
| Efficiency ratio | 60.97% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.12% |
| Core deposits to total deposits | 96.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.47% |
| Securities to assets | 12.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.44% | 13.44% | 14.49% | 9.28% | 0.83% |
| Q4 2023 | 13.24% | 13.24% | 14.25% | 9.16% | 1.05% |
| Q1 2024 | 13.03% | 13.03% | 14.02% | 8.76% | 0.71% |
| Q2 2024 | 13.13% | 13.14% | 14.12% | 8.79% | 0.76% |
| Q3 2024 | 12.97% | 12.97% | 13.94% | 8.75% | 0.79% |
| Q4 2024 | 12.86% | 12.86% | 13.99% | 9.22% | 1.03% |
| Q1 2025 | 12.75% | 12.75% | 14.00% | 9.24% | 0.59% |
| Q2 2025 | 12.88% | 12.88% | 14.02% | 9.26% | 1.01% |
| Q3 2025 | 13.16% | 13.16% | 14.31% | 9.24% | 1.16% |
| Q4 2025 | 13.14% | 13.14% | 14.27% | 9.26% | 1.25% |
| Q1 2026 | 13.41% | 13.41% | 14.53% | 9.62% | 1.23% |
| Q2 2026 | 12.71% | 12.71% | 13.87% | 9.33% | 1.00% |
Arrow Bank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Arrow Bank N.A., 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 Arrow Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7074) · FFIEC NIC profile (RSSD 866000)