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Arlo Bank

Springfield, MO · Cert 29143 · Arlo Financial Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

61

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Arlo Bank

Springfield, MO · Cert 29143 · Arlo Financial Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$269.1MAssets
$190.1MLoans
$226.6MDeposits
$38.4MEquity
Loan mix
88%RE $145.3M11%C&I $18.5M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $212.1M6%Noninterest $14.4MQ2 2025Q2 2026

NIM

5.73%Q2 ’246.16%Q2 ’255.57%Q2 ’26+37%-21%

Non-interest income vs. expense

2.95%Q2 ’242.85%Q2 ’252.06%Q2 ’26-4%-49%

Market Position · Springfield, MO · 2026 SOD (annual) · 1.3% share · #19 of 41 inst. · $0.2B of $17.8B

Executive Summary

  • Earnings: ROA of 0.79%, up 60 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (-268 bps YoY), with net charge-offs at 0.40%.
  • Capital: tier 1 leverage ratio of 13.53%, down 836 bps from a year ago.
  • Funding: loans stand at 83.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+60 bps YoY

Net Interest Margin (YTD, annualized)

2.78%-73 bps YoY

Efficiency Ratio (YTD, annualized)

59.95%-2,022 bps YoY

Tier 1 Leverage Ratio

13.53%-836 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.12%0.38%1.08%0.79%+60 bps
Return on Equity0.76%0.51%1.66%6.09%4.85%+409 bps
Net Interest Margin3.50%3.13%2.87%2.98%2.78%-73 bps
Efficiency Ratio80.16%82.08%72.90%54.54%59.95%-2,022 bps
Non-Interest Burden2.71%2.47%2.00%1.06%1.38%-132 bps
Growth
Asset Growth (YoY)128.86%157.03%67.40%68.18%70.90%-5,797 bps
Loan Growth (YoY)89.78%137.18%94.65%96.16%86.04%-374 bps
Deposit Growth (YoY)135.11%159.83%86.67%99.60%93.87%-4,124 bps
Asset Quality
Nonperforming Loans / Loans2.68%1.60%1.35%0.47%0.00%-268 bps
Net Charge-Offs / Loans0.00%0.05%0.03%0.00%0.40%+40 bps
Allowance / Loans1.46%1.30%1.29%1.26%1.00%-46 bps
Allowance Coverage of NPLs0.5x0.8x1.0x2.7xn/an/a
Capital
Tier 1 Leverage Ratio21.89%19.23%17.52%15.04%13.53%-836 bps
Total Risk-Based Capital21.89%19.23%17.52%15.04%13.53%-836 bps
Equity / Assets23.65%21.45%18.87%16.68%14.27%-938 bps
Liquidity & Funding
Loans / Deposits87.45%95.61%93.51%90.85%83.92%-353 bps
Liquid Assets / Assets8.32%8.33%4.05%3.63%3.47%-485 bps
CRE / Total Capitaln/a192.29%228%258%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Arlo Bank

Springfield, MO · Cert 29143 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Arlo Financial Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$269.1MAssets
$190.1MLoans
$226.6MDeposits
$38.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets operating in a single state (rank 686 of 743).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.69%

Rank 574 of 746

Net Interest Margin

2.78%

Rank 668 of 746

Efficiency Ratio

60.76%

Rank 293 of 746

Equity / Assets

14.27%

Rank 127 of 746

Non-interest income vs. expense

$1.7M$5.1MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 61% of banks under $1B in assets operating in a single state
Bank 60.76%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.72%1.06%1.45%Beats 23%574 / 746
Return on Equity4.80%6.74%10.51%13.63%Beats 17%620 / 746
Net Interest Margin2.78%3.17%3.68%4.16%Beats 10%668 / 746
Efficiency Ratio60.76%55.74%64.58%75.47%Beats 61%293 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.20%0.00%0.01%0.05%Beats 8%686 / 743
Capital
Tier 1 Capital Ratio13.53%11.55%13.75%17.60%Beats 47%394 / 746
Total Risk-Based Capital Ratio13.53%11.71%14.33%18.43%Beats 42%430 / 746
Equity / Assets14.27%8.90%10.51%13.06%Beats 83%127 / 746
Liquidity & Funding
Loans / Deposits83.92%61.31%78.27%90.78%62nd pctl280 / 746
Loans / Assets70.66%53.60%66.97%76.08%59th pctl307 / 746
Brokered Deposits / Depositsn/aNot reported for this institution