Arrowhead Bank
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Data as of · sourced from FFIEC call reports. How we update
Arrowhead Bank is an FDIC-insured commercial bank headquartered in Llano, TX, established in 1923 (FDIC certificate 1198), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $295.3M, up 3.1% from Q2 2025, the 215th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 22.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1198
- Headquarters
- Llano, TX
- Established
- 1923
- Total assets, Q2 2026
- $295.3M
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 22.31%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 114920526
- Latest call report
- Q2 2026, FFIEC 051 · Arrowhead Bank call report
- Holding company
- ARROWHEAD COMPANY
- Asset rank in state
- 215th of 346 in Texas
Arrowhead Bank, based in Llano, Texas, reported $295 million in assets at June 30, 2026, up 3.1% from a year earlier. It pays an average of 0.92% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
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 0.35%. Loans and deposits moved in opposite directions: over the year loans fell 2.7% and deposits rose 1.9%.
As of June 30, 2026, Arrowhead Bank reported a CET1 capital ratio of 22.31%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Arrowhead Bank is the 215th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $295.3M, loans fell 0.8% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 48.7% of total loans, followed by owner-occupied commercial real estate loans at 14.6%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Fredericksburg office books 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Arrowhead Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 108 W Sandstone St, Llano, TX 78643
- County
- Llano
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 16, 1923
- Former names
- First Llano Bank (1980-1992)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $259.9M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $298.6M
- Average total loans
- $174.3M
- Average interest-bearing deposits
- $163.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1198
- Fed RSSD
- 570558
- Parent Holding Company
- ARROWHEAD COMPANY (RSSD 1237447)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Arrowhead Bank's total assets moved between a low of $281.6M (Q3 2023) and a high of $302.2M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$295.3M total assets against $286.5M; $260.8M total liabilities against $255.9M.
$173.0M net loans and leases against $177.9M; $259.9M total deposits against $255.0M.
$84.4M securities against $87.3M; $33.2M cash and balances due against $16.7M.
$4.0M total interest income against $3.9M; $601K total interest expense against $623K.
$3.4M net interest income against $3.3M.
$215K total noninterest income against $201K; $1.9M total noninterest expense against $1.9M.
$0 provision for credit losses against $0.
$1.4M net income against $1.2M.
1.85% return on assets against 1.72%; 4.74% net interest margin against 4.60%.
22.31% CET1 capital ratio against 19.12%; 11.89% tier 1 leverage ratio against 11.06%.
Inside the full Arrowhead Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeArrowhead Bank rankings
Its closest position to the top of a national ranking is 238 of 2,134, for CET1 ratio; its furthest is 3,475 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.29% (Q4 2024) to 1.92% (Q3 2025) and its net interest margin ran from 4.44% (Q3 2024) to 4.85% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.31% | 1.85% | 0.00% | 0.00% | 4.74% |
| Q1 2026 | 21.29% | 1.79% | 0.00% | 0.00% | 4.70% |
| Q4 2025 | 19.82% | 1.43% | 0.02% | 1.88% | 4.85% |
| Q3 2025 | 19.88% | 1.92% | 0.00% | 1.83% | 4.81% |
| Q2 2025 | 19.12% | 1.72% | 0.35% | 1.97% | 4.60% |
| Q1 2025 | 19.06% | 1.61% | 0.00% | 0.00% | 4.49% |
| Q4 2024 | 18.09% | 1.29% | 0.00% | 0.00% | 4.60% |
| Q3 2024 | 17.94% | 1.70% | 0.09% | 0.53% | 4.44% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → 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 |
|---|---|---|---|
| Fredericksburg Branch | Fredericksburg , TX | 78624 | $86.2M |
| Arrowhead Bank (main office) | Llano , TX | 78643 | $81.7M |
| San Saba Branch | San Saba , TX | 76877 | $65.5M |
| Horseshoe Bay Branch | Horseshoe Bay , TX | 78654 | $26.5M |
| Detached Facility | Llano , TX | 78643 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 30, 1991 | Structure Change | Acquired The San Saba National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 29, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 260 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $510K approved, $255K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
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Frequently asked about Arrowhead Bank
What are Arrowhead Bank's total assets?
As of the Q2 2026 filing, Arrowhead Bank reported total assets of $295.3 million in its FFIEC call report.
Where is Arrowhead Bank headquartered?
It is headquartered in Llano, TX, United States.
When was Arrowhead Bank founded?
It was established in 1923, per the FDIC institution directory.
Is Arrowhead Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Arrowhead Bank?
Arrowhead Bank's primary federal regulator is the FDIC.
What is Arrowhead Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Arrowhead Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Arrowhead Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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 Arrowhead Bank previously called?
The charter now named Arrowhead Bank has also operated as First Llano Bank (1980-1992), per FDIC structure-change records.
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