Arlington State Bank
Arlington, MN · Cert 1391 · Peer group: banks under $1B in assets in MN (n=111-113) · Arlco Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$56.7MAssets
$20.0MLoans
$52.7MDeposits
$3.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of banks under $1B in assets in MN (rank 18 of 113).
- Widest gap: net interest margin trails 97% of banks under $1B in assets in MN (rank 110 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.11%
Rank 109 of 113
Net Interest Margin
2.52%
Rank 110 of 113
Efficiency Ratio
94.99%
Rank 110 of 113
Equity / Assets
6.10%
Rank 109 of 113
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 4% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.87% | 1.20% | 1.41% | Beats 4% | 109 / 113 | |
| Return on Equity | 1.73% | 8.92% | 11.27% | 13.99% | Beats 5% | 107 / 113 | |
| Net Interest Margin | 2.52% | 3.42% | 3.88% | 4.31% | Beats 3% | 110 / 113 | |
| Efficiency Ratio | 94.99% | 54.13% | 61.48% | 69.86% | Beats 4% | 110 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.12% | 0.09% | 0.58% | 1.82% | Beats 21% | 89 / 111 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.04% | Beats 27% | 82 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 23.17% | 11.53% | 13.31% | 18.13% | Beats 84% | 18 / 113 | |
| Total Risk-Based Capital Ratio | 23.98% | 12.12% | 14.43% | 19.39% | Beats 84% | 18 / 113 | |
| Equity / Assets | 6.10% | 8.52% | 10.10% | 11.94% | Beats 4% | 109 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 37.90% | 62.08% | 77.32% | 88.06% | 2nd pctl | 109 / 111 | |
| Loans / Assets | 35.22% | 55.01% | 66.35% | 75.50% | 5th pctl | 107 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |