Arbor Bank
Nebraska City, NE · Cert 33450 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Oakland Financial Services Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$701.7MAssets
$597.2MLoans
$607.8MDeposits
$61.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 67% of banks under $1B in assets in the Omaha, NE-IA area (rank 8 of 24).
- Widest gap: equity / assets trails 83% of banks under $1B in assets in the Omaha, NE-IA area (rank 20 of 24).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.92%
Rank 18 of 24
Net Interest Margin
3.86%
Rank 8 of 24
Efficiency Ratio
73.35%
Rank 21 of 24
Equity / Assets
8.70%
Rank 20 of 24
Non-interest income vs. expense
Unfavorable gap of $18.8M · efficiency ratio beats 17% of banks under $1B in assets in the Omaha, NE-IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.92% | 1.29% | 1.77% | Beats 25% | 18 / 24 | | |
| Return on Equity | 10.59% | 9.64% | 12.01% | 15.30% | Beats 29% | 17 / 24 | | |
| Net Interest Margin | 3.86% | 3.02% | 3.76% | 3.98% | Beats 67% | 8 / 24 | | |
| Efficiency Ratio | 73.35% | 49.60% | 59.31% | 66.55% | Beats 17% | 21 / 24 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.10% | 0.37% | 1.03% | Beats 25% | 19 / 24 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 42% | 15 / 24 | | |
| Capital |
| Tier 1 Capital Ratio | 11.02% | 10.53% | 11.57% | 13.63% | Beats 33% | 16 / 24 | | |
| Total Risk-Based Capital Ratio | 12.06% | 11.15% | 12.06% | 13.90% | Beats 50% | 12 / 24 | | |
| Equity / Assets | 8.70% | 8.87% | 10.14% | 12.27% | Beats 17% | 20 / 24 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.26% | 75.32% | 83.30% | 93.06% | 83rd pctl | 4 / 24 | | |
| Loans / Assets | 85.11% | 65.68% | 71.67% | 75.94% | 88th pctl | 3 / 24 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |