Pleasant Hill, MO · Cert 58423 · Arcadia Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #66 of 114 inst. · $0.1B of $99.1B
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 | 0.87% | 0.65% | 0.89% | 0.93% | 1.29% | 1.26% | 1.14% | 0.96% | +3 bps | |
| Return on Equity | 24.00% | 16.11% | 26.25% | 28.31% | 32.26% | 24.51% | 20.44% | 16.17% | -1,213 bps | |
| Net Interest Margin | 2.17% | 2.41% | 2.45% | 2.65% | 2.89% | 3.00% | 2.99% | 2.96% | +31 bps | |
| Efficiency Ratio | 68.58% | 73.33% | 70.85% | 68.76% | 60.68% | 64.31% | 65.85% | 73.06% | +430 bps | |
| Non-Interest Burden | 1.09% | 1.44% | 1.37% | 1.42% | 1.20% | 1.39% | 1.41% | 1.74% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.76% | 4.05% | 4.22% | 5.23% | 2.77% | 0.81% | -1.10% | -16.65% | -2,188 bps | |
| Loan Growth (YoY) | 33.25% | 12.96% | 24.80% | 27.83% | 18.07% | 27.78% | 4.06% | 3.79% | -2,403 bps | |
| Deposit Growth (YoY) | 2.62% | 3.07% | 3.26% | 4.80% | 2.57% | -1.20% | -3.76% | -19.19% | -2,399 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.01% | 0.01% | 0.03% | 0.05% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.54% | 0.21% | 0.01% | 0.07% | 0.21% | 0.17% | 0.12% | 0.06% | -1 bps | |
| Allowance / Loans | 0.22% | 0.30% | 0.23% | 0.22% | 0.19% | 0.21% | 0.24% | 0.24% | +2 bps | |
| Allowance Coverage of NPLs | n/a | 17.3x | 19.7x | 18.8x | 6.1x | 4.1x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 9.20% | 8.46% | 8.80% | 8.84% | 9.03% | 9.97% | 10.37% | +157 bps | |
| Total Risk-Based Capital | 23.09% | 24.86% | 21.41% | 21.60% | 22.93% | 23.75% | 24.64% | 25.43% | +383 bps | |
| Equity / Assets | 4.71% | 3.42% | 3.39% | 3.18% | 4.96% | 5.34% | 5.84% | 6.06% | +288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.66% | 29.14% | 38.01% | 33.63% | 36.44% | 37.68% | 41.10% | 43.20% | +957 bps | |
| Liquid Assets / Assets | 0.08% | 10.76% | 1.32% | 14.89% | 5.46% | 6.05% | 9.12% | 6.91% | -798 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 80.25% | 87.08% | 80.16% | n/a | n/a | |