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Arcadian Bank

Hartland, MN · Cert 10561 · Minnesota Cmty Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$242.1MAssets
$182.3MLoans
$206.1MDeposits
$28.6MEquity
Loan mix
78%RE $118.7M22%C&I $33.6M0%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $169.1M18%Noninterest $37.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.75%, up 28 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 0.10% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.01%, down 71 bps from a year ago.
  • Funding: loans stand at 88.48% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.75%+28 bps YoY

Net Interest Margin (quarter, annualized)

4.40%+29 bps YoY

Efficiency Ratio (quarter, annualized)

52.66%-285 bps YoY

Tier 1 Leverage Ratio

12.01%-71 bps YoY

NIM

5.51%Q2 ’245.84%Q2 ’256.09%Q2 ’26+17%+7%

Non-interest income vs. expense

2.59%Q2 ’242.50%Q2 ’252.56%Q2 ’26-7%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.35%1.28%1.46%1.53%1.55%1.50%1.75%+28 bps
Return on Equity12.22%11.34%10.95%12.35%13.04%13.32%12.86%14.99%+264 bps
Net Interest Margin3.63%3.77%3.97%4.11%4.21%4.19%4.27%4.40%+29 bps
Efficiency Ratio58.00%58.00%58.64%55.52%53.42%53.44%55.91%52.66%-285 bps
Non-Interest Burden1.79%2.01%2.12%2.09%2.02%1.99%2.17%2.07%-2 bps
Growth
Asset Growth (YoY)7.04%1.50%1.00%1.34%7.52%6.50%7.55%6.78%+544 bps
Loan Growth (YoY)8.70%5.92%2.89%3.72%4.78%7.37%9.49%6.33%+261 bps
Deposit Growth (YoY)1.62%2.89%3.53%2.15%13.24%7.41%7.20%7.69%+554 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.18%0.16%0.15%0.12%0.10%0.13%0.10%-6 bps
Net Charge-Offs / Loans0.00%0.00%0.10%0.00%0.02%0.00%0.00%0.00%0 bps
Allowance / Loans1.14%1.12%1.14%1.15%1.19%1.17%1.22%1.24%+10 bps
Allowance Coverage of NPLs4.9x6.2x7.2x7.5x10.1x12.3x9.7x13.0x+5.5x
Capital
Tier 1 Leverage Ratio12.11%12.33%12.59%12.71%11.94%11.86%11.90%12.01%-71 bps
Total Risk-Based Capital12.11%12.33%12.59%12.71%11.94%11.86%11.90%12.01%-71 bps
Equity / Assets12.03%11.79%11.58%12.07%11.45%11.88%11.49%11.80%-27 bps
Liquidity & Funding
Loans / Deposits93.44%91.61%87.84%89.61%86.46%91.58%89.71%88.48%-113 bps
Liquid Assets / Assets0.36%0.42%0.27%0.12%0.11%0.02%0.06%0.05%-7 bps
CRE / Total Capitaln/an/an/an/a220%233%242%n/an/a