Arlington, MN · Cert 1391 · Arlco Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.26% | 0.26% | 0.12% | 0.11% | -26 bps | |
| Return on Equity | 8.48% | 5.61% | 5.04% | 1.91% | 1.73% | -676 bps | |
| Net Interest Margin | 2.28% | 2.37% | 2.42% | 2.48% | 2.52% | +24 bps | |
| Efficiency Ratio | 100.42% | 99.36% | 96.80% | 94.32% | 94.99% | -542 bps | |
| Non-Interest Burden | 2.29% | 2.35% | 2.33% | 2.34% | 2.39% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.86% | -7.14% | -4.05% | -0.58% | -1.38% | +348 bps | |
| Loan Growth (YoY) | -0.34% | 7.69% | 7.91% | 15.48% | 10.36% | +1,070 bps | |
| Deposit Growth (YoY) | -7.04% | -8.56% | -7.14% | -2.06% | -2.41% | +463 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.14% | 0.03% | 0.05% | 2.12% | +205 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.00% | 0.07% | +7 bps | |
| Allowance / Loans | 1.21% | 1.12% | 1.06% | 1.05% | 1.03% | -18 bps | |
| Allowance Coverage of NPLs | 18.3x | 7.8x | 42.4x | 19.3x | 0.5x | -17.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.90% | 10.32% | 10.61% | 10.20% | 10.13% | +24 bps | |
| Total Risk-Based Capital | 26.15% | 24.80% | 24.23% | 23.56% | 23.98% | -217 bps | |
| Equity / Assets | 5.03% | 6.09% | 6.60% | 5.77% | 6.10% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.52% | 39.15% | 39.21% | 38.36% | 37.90% | +438 bps | |
| Liquid Assets / Assets | 15.85% | 8.39% | 12.85% | 15.32% | 15.37% | -48 bps | |
| CRE / Total Capital | n/a | 97.60% | 89.98% | 90.94% | n/a | n/a | |