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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 1.63%, up 26 bps year over year; NIM at 4.31%.
  • 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 (YTD, annualized)

1.63%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+33 bps YoY

Efficiency Ratio (YTD, annualized)

54.25%-279 bps YoY

Tier 1 Leverage Ratio

12.01%-71 bps YoY

NIM

5.39%Q2 ’245.67%Q2 ’255.96%Q2 ’26+15%+8%

Non-interest income vs. expense

2.61%Q2 ’242.51%Q2 ’252.58%Q2 ’26-8%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.14%1.28%1.37%1.42%1.46%1.50%1.63%+26 bps
Return on Equity9.48%10.01%10.95%11.59%12.13%12.44%12.86%13.87%+228 bps
Net Interest Margin3.51%3.53%3.97%3.99%3.98%3.93%4.27%4.31%+33 bps
Efficiency Ratio64.68%62.93%58.64%57.04%55.76%55.14%55.91%54.25%-279 bps
Non-Interest Burden2.08%2.04%2.12%2.07%2.01%1.96%2.17%2.11%+4 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%0.05%0.04%0.03%0.00%0.00%-5 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