Springfield, MO · Cert 29143 · Arlo Financial Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 1.3% share · #19 of 41 inst. · $0.2B of $17.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.98% | 0.08% | 0.30% | 0.09% | 0.01%1 | 0.99% | 1.08% | 0.55% | +46 bps | |
| Return on Equity | -19.80% | 0.38% | 1.16% | 0.37% | 0.04% | 4.91% | 6.09% | 3.61% | +324 bps | |
| Net Interest Margin | 2.73% | -1.07% | 4.30% | 3.38% | 3.22% | 3.11% | 2.98% | 2.91% | -46 bps | |
| Efficiency Ratio | 225% | 76.95% | 74.54% | 85.96% | 85.45% | 48.93% | 54.54% | 66.34% | -1,962 bps | |
| Non-Interest Burden | 6.35% | -4.70% | 3.08% | 2.80% | 2.63% | 1.35% | 1.06% | 1.82% | -97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | 84.25% | 99.43% | 128.86% | 157.03% | 67.40% | 68.18% | 70.90% | -5,797 bps | |
| Loan Growth (YoY) | 0.31% | 43.30% | 54.05% | 89.78% | 137.18% | 94.65% | 96.16% | 86.04% | -374 bps | |
| Deposit Growth (YoY) | 6.43% | 79.76% | 84.88% | 135.11% | 159.83% | 86.67% | 99.60% | 93.87% | -4,124 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 1.55% | 1.17% | 2.68% | 1.60% | 1.35% | 0.47% | 0.00% | -268 bps | |
| Net Charge-Offs / Loans | 0.08% | -0.05% | 0.00% | 0.00% | 0.15% | 0.00% | 0.00% | 0.80% | +80 bps | |
| Allowance / Loans | 0.97% | 1.71% | 1.56% | 1.46% | 1.30% | 1.29% | 1.26% | 1.00% | -46 bps | |
| Allowance Coverage of NPLs | 15.6x | 1.1x | 1.3x | 0.5x | 0.8x | 1.0x | 2.7x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.14% | 23.79% | 25.85% | 21.89% | 19.23% | 17.52% | 15.04% | 13.53% | -836 bps | |
| Total Risk-Based Capital | 15.14% | 23.79% | 25.85% | 21.89% | 19.23% | 17.52% | 15.04% | 13.53% | -836 bps | |
| Equity / Assets | 14.92% | 24.73% | 27.35% | 23.65% | 21.45% | 18.87% | 16.68% | 14.27% | -938 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.75% | 89.68% | 92.44% | 87.45% | 95.61% | 93.51% | 90.85% | 83.92% | -353 bps | |
| Liquid Assets / Assets | 9.25% | 25.06% | 9.44% | 8.32% | 8.33% | 4.05% | 3.63% | 3.47% | -485 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 192.29% | 228% | 258% | n/a | n/a | |