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Arlington State Bank

Arlington, MN · Cert 1391 · Arlco Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$56.7MAssets
$20.0MLoans
$52.7MDeposits
$3.5MEquity
Loan mix
85%RE $16.3M7%C&I $1.3M8%Consumer $1.6MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $37.5M29%Noninterest $15.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.09%, down 16 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 2.12% of loans (+205 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 10.13%, up 24 bps from a year ago.
  • Funding: loans stand at 37.90% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.09%-16 bps YoY

Net Interest Margin (quarter, annualized)

2.57%+25 bps YoY

Efficiency Ratio (quarter, annualized)

95.63%+847 bps YoY

Tier 1 Leverage Ratio

10.13%+24 bps YoY

NIM

3.32%Q2 ’243.22%Q2 ’253.46%Q2 ’26-1%+11%

Non-interest income vs. expense

2.13%Q2 ’242.11%Q2 ’252.56%Q2 ’26+0%+22%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.28%0.47%0.26%0.06%0.23%0.12%0.09%-16 bps
Return on Equity3.68%7.04%12.03%5.52%1.02%3.65%1.91%1.59%-394 bps
Net Interest Margin2.20%2.23%2.22%2.32%2.36%2.42%2.48%2.57%+25 bps
Efficiency Ratio91.82%83.98%114.25%87.16%97.33%89.45%94.32%95.63%+847 bps
Non-Interest Burden2.01%1.83%2.54%2.01%2.29%2.14%2.34%2.46%+45 bps
Growth
Asset Growth (YoY)-3.85%-6.06%-7.54%-4.86%-7.14%-4.05%-0.58%-1.38%+348 bps
Loan Growth (YoY)-10.38%-9.29%-3.74%-0.34%7.69%7.91%15.48%10.36%+1,070 bps
Deposit Growth (YoY)-7.59%-6.02%-9.01%-7.04%-8.56%-7.14%-2.06%-2.41%+463 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.03%0.06%0.07%0.14%0.03%0.05%2.12%+205 bps
Net Charge-Offs / Loans0.31%0.06%0.00%0.00%0.02%0.12%0.00%0.14%+14 bps
Allowance / Loans1.97%1.91%1.25%1.21%1.12%1.06%1.05%1.03%-18 bps
Allowance Coverage of NPLs29.8x70.8x21.9x18.3x7.8x42.4x19.3x0.5x-17.8x
Capital
Tier 1 Leverage Ratio9.32%9.61%9.88%9.90%10.32%10.61%10.20%10.13%+24 bps
Total Risk-Based Capital25.98%25.63%26.85%26.15%24.80%24.23%23.56%23.98%-217 bps
Equity / Assets4.63%3.46%4.32%5.03%6.09%6.60%5.77%6.10%+107 bps
Liquidity & Funding
Loans / Deposits33.25%33.74%32.54%33.52%39.15%39.21%38.36%37.90%+438 bps
Liquid Assets / Assets14.57%16.00%16.73%15.85%8.39%12.85%15.32%15.37%-48 bps
CRE / Total Capitaln/an/an/an/a97.60%89.98%90.94%n/an/a