BlastPoint's Banking Scorecard
Arcadian Bank
Hartland, MN
3 branches across MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +7.7% year over year ($206.1M on the books).
- Delinquency rate 0.10%.
- Return on assets 2.07%.
- Efficiency ratio 54.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.38% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Arcadian Bank shows strong momentum with 4 strengths and 6.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32.7% in tier
- + Net Interest Margin 0.58% above tier average
- + Efficiency Ratio 10.23% below tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$242.1M
+6.8% YoY
+0.3% QoQ
|
-$144.4M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$180.1M
+6.2% YoY
-0.5% QoQ
|
-$78.3M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$206.1M
+7.7% YoY
+0.9% QoQ
|
-$120.7M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
2.07%
+18.9% YoY
+8.3% QoQ
|
+0.75% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 11.7% in tier |
| Net Interest Margin ? |
4.56%
+8.9% YoY
+1.7% QoQ
|
+0.58% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
54.25%
-4.9% YoY
-3.0% QoQ
|
-10.23% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.10%
-37.1% YoY
-23.9% QoQ
|
-0.82% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
87.38%
-1.4% YoY
-1.4% QoQ
|
+9.43% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
17.93%
-4.5% YoY
-11.9% QoQ
|
-4.10% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.07%
-37.4% YoY
-24.5% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
12.01%
-5.6% YoY
+0.9% QoQ
|
-3.90% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.23%
+9.7% YoY
+111.4% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
59% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.9%
-0.8pp YoY -2.4pp QoQ |
-4.2pp | 22.1% | 21.9% | 22.2% | 36% |
| Brokered Deposits |
8.8%
+1.3pp YoY +0.6pp QoQ |
+0.9pp | 7.9% | 8.3% | 8.5% | 72% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.4%
-0.2pp YoY -0.1pp QoQ |
+6.9pp | 11.6% | 14.6% | 12.5% | 85% |
| CRE |
38.4%
+2.5pp YoY +1.0pp QoQ |
-1.1pp | 39.5% | 36.5% | 41.4% | 50% |
| 1-4 Family |
7.3%
+0.6pp YoY +0.4pp QoQ |
-25.3pp | 32.6% | 29.4% | 31.3% | 7% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 4.5% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
12.0%
-0.7pp YoY +0.1pp QoQ |
-0.2pp | 12.2% | 11.0% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
+5 (+15.6%) YoY +4 (+12.1%) QoQ |
-22 | 58 | 55 | 482 | 37% |
| Assets per Employee ($) |
$6.5M
-7.7% YoY -10.5% QoQ |
-$974K | $7.5M | $8.6M | $8.8M | 44% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 18% |
| Allowance Coverage |
12.97x
+72.7% YoY +34.1% QoQ |
-11.18x | 24.15x | 20.41x | 20.23x | 85% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY |
-0.1pp | 0.1% | 0.2% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.7%
+2.9pp YoY +1.3pp QoQ |
+5.5pp | 12.2% | 13.1% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 56% |
| Net Income ($, YTD) |
$2.5M
+27.1% YoY — QoQ |
-$68K | $2.6M | $4.5M | $40.4M | 62% |
Get Full Access to Arcadian Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.