$712M
+15.4%y/y
Percentile by value78th percentileby value
FDIC
ASSETAB
Arbor Bank
Nebraska City, NebraskaFDIC Cert #33450
STATEEstablished 19916 branches
Holding company: OAKLAND FINANCIAL SERVICES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportArbor Bank reported $712M in total assets. Deposits grew 13.20% over the prior year.
Return on assets was 1.03%, compared with an asset-peer median of 1.22%. The leverage ratio was 8.91%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$632M
+13.2%y/y
Percentile by value80th percentileby value
FDIC
DEP$569M
+11.1%y/y
Percentile by value87th percentileby value
FDIC
LNLSNET1.03%
+16 bpsy/y
Peer standing37th percentile
FDIC
NETINC + ROA75.83%
−335 bpsy/y
Peer standing18th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.91%
−38 bpsy/y
Peer standing11th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $519M | $443M |
| Q3 2021 | $517M | $441M |
| Q4 2021 | $531M | $459M |
| Q1 2022 | $557M | $502M |
| Q2 2022 | $543M | $480M |
| Q3 2022 | $533M | $482M |
| Q4 2022 | $532M | $478M |
| Q1 2023 | $568M | $514M |
| Q2 2023 | $564M | $496M |
| Q3 2023 | $586M | $514M |
| Q4 2023 | $583M | $504M |
| Q1 2024 | $617M | $540M |
| Q2 2024 | $611M | $541M |
| Q3 2024 | $631M | $558M |
| Q4 2024 | $606M | $548M |
| Q1 2025 | $617M | $558M |
| Q2 2025 | $629M | $557M |
| Q3 2025 | $651M | $566M |
| Q4 2025 | $659M | $559M |
| Q1 2026 | $712M | $632M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $67.1M |
| Investor CRE | $70M |
| Multifamily | $7.17M |
| Construction | $35.8M |
| 1–4 family | $114M |
| C&I | $116M |
| Agriculture | $162M |
| Other | $2.51M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.03%37th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE11.85%49th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.98%58th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR75.83%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+13.20%89th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+11.13%76th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.90%30th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ8.91%11th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.38%55th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC169%50th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.03%32nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.66%Median 1.29%90th 2.09%Observations 141
ROE
FDIC
NETINC + ROE11.85%49th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.43%Median 11.90%90th 18.20%Observations 141
NIM
FDIC
NIM + NIMY3.98%64th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.73%90th 4.60%Observations 141
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR75.83%14th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.34%Median 60.71%90th 77.89%Observations 141
Deposits YoY
FDIC
DEP+13.20%88th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.12%Median +4.39%90th +14.36%Observations 141
Loans YoY
FDIC
LNLSNET+11.13%78th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.32%Median +5.90%90th +18.22%Observations 141
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.90%21st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.21%90th 1.97%Observations 141
Leverage
FDIC
RBC1AAJ8.91%4th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.22%Median 11.10%90th 15.18%Observations 141
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.38%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.59%90th 3.62%Observations 141
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC169%67th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 10%Median 87%90th 310%Observations 62
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.03%23rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.88%Median 1.38%90th 2.08%Observations 40
ROE
FDIC
NETINC + ROE11.85%38th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.10%Median 13.14%90th 18.52%Observations 40
NIM
FDIC
NIM + NIMY3.98%62nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.90%90th 4.42%Observations 40
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR75.83%5th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.73%Median 58.76%90th 72.11%Observations 40
Deposits YoY
FDIC
DEP+13.20%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.07%Median +4.59%90th +14.42%Observations 40
Loans YoY
FDIC
LNLSNET+11.13%72nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.39%Median +6.70%90th +15.47%Observations 40
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.90%15th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.33%90th 1.40%Observations 40
Leverage
FDIC
RBC1AAJ8.91%3rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.26%Median 10.96%90th 13.71%Observations 40
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.38%67th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.61%90th 3.49%Observations 40
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC169%67th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 34%Median 104%90th 324%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 6 branches
- Headquarters
- Nebraska City, NE
FDIC
OFFDOMOpen the Nebraska dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data