Arcadian Bank
Hartland, MN · Cert 10561 · Peer group: banks under $1B in assets in MN (n=111-113) · Minnesota Cmty Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$242.1MAssets
$182.3MLoans
$206.1MDeposits
$28.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in MN (rank 86 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.61%
Rank 18 of 113
Net Interest Margin
4.31%
Rank 29 of 113
Efficiency Ratio
54.25%
Rank 30 of 113
Equity / Assets
11.80%
Rank 32 of 113
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 74% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.87% | 1.20% | 1.41% | Beats 84% | 18 / 113 | | |
| Return on Equity | 13.67% | 8.92% | 11.27% | 13.99% | Beats 73% | 31 / 113 | | |
| Net Interest Margin | 4.31% | 3.42% | 3.88% | 4.31% | Beats 74% | 29 / 113 | | |
| Efficiency Ratio | 54.25% | 54.13% | 61.48% | 69.86% | Beats 74% | 30 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.58% | 1.82% | Beats 75% | 29 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 12.01% | 11.53% | 13.31% | 18.13% | Beats 35% | 74 / 113 | | |
| Total Risk-Based Capital Ratio | 12.01% | 12.12% | 14.43% | 19.39% | Beats 24% | 86 / 113 | | |
| Equity / Assets | 11.80% | 8.52% | 10.10% | 11.94% | Beats 72% | 32 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.48% | 62.08% | 77.32% | 88.06% | 77th pctl | 26 / 111 | | |
| Loans / Assets | 75.30% | 55.01% | 66.35% | 75.50% | 73rd pctl | 31 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |