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Arrowhead Bank

$100M-$1B Specialty: Other TX FDIC cert 1198

Llano, TX

5 branches across TX

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 219 in TX.
  • Deposits +1.9% year over year ($259.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.82%.
  • Efficiency ratio 52.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.57% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Arrowhead Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 40.6% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.50% above tier average
  • + Efficiency Ratio 11.65% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 45.7% in tier
Get updates when Arrowhead Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $295.3M
+3.1% YoY -0.2% QoQ
-$91.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $173.0M
-2.7% YoY -0.8% QoQ
-$85.3M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $259.9M
+1.9% YoY -0.6% QoQ
-$66.9M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.82%
+9.3% YoY +2.3% QoQ
+0.50% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 4.75%
+3.0% YoY +1.3% QoQ
+0.77% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 12.9% in tier
Efficiency Ratio ? 52.83%
-2.9% YoY -1.0% QoQ
-11.65% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 66.57%
-4.6% YoY -0.2% QoQ
-11.38% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 37.94%
+2.9% YoY +1.7% QoQ
+15.91% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 6.3% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 22.31%
+16.7% YoY +4.8% QoQ
+6.40% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 9.9% in tier
Non-Interest Income / Assets ? 0.15%
+4.8% YoY +94.4% QoQ
-0.42% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
35%

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 (TX) National Avg Tier Percentile
Noninterest-Bearing 37.9%
+1.1pp YoY
+0.6pp QoQ
 +15.8pp 22.1% 29.2% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 7.9%
+0.5pp YoY
+0.4pp QoQ
 -3.6pp 11.6% 14.8% 12.5% 40%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 49.2%
+2.1pp YoY
+1.5pp QoQ
 +16.6pp 32.6% 25.8% 31.3% 82%
Consumer 5.2%
-0.3pp YoY
-0.4pp QoQ
 +1.1pp 4.1% 4.7% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 22.3%
+3.2pp YoY
+1.0pp QoQ
 +3.5pp 18.8% 22.7% 19.7% 84%
Leverage Ratio 11.9%
+0.8pp YoY
+0.2pp QoQ
 -0.3pp 12.2% 12.6% 12.6% 63%
Total Capital Ratio 23.5%
+3.3pp YoY
+1.0pp QoQ
 +3.6pp 19.9% 23.8% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 58
+4 (+7.4%) YoY
+5 (+9.4%) QoQ
 -1 58 186 482 61%
Assets per Employee ($) $5.1M
-4.0% YoY
-8.8% QoQ
 -$2.4M $7.5M $10.1M $8.8M 16%
Branch Count 5
0 YoY
0 QoQ
 0 4 12 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 36%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 16.0%
-0.4pp YoY
+0.1pp QoQ
 +3.8pp 12.2% 13.2% 11.6% 73%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.6% 1.7% 6%
Net Income ($, YTD) $2.7M
+12.4% YoY
— QoQ
 +$155K $2.6M $15.9M $40.4M 65%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#114 of 278 • Top 40.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.94%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.75%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#340 of 742 • Bottom 45.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.31%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 66.57%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
168
Non-Interest-Bearing Deposit Share
funding
Value: 37.94%
Peer Median: 22.03%
#168 of 2643 Top 6.3% in $100M-$1B
262
Tier 1 Capital Ratio
capital
Value: 22.31%
Peer Median: 15.91%
#262 of 2643 Top 9.9% in $100M-$1B
341
Net Interest Margin
profitability
Value: 4.75%
Peer Median: 3.99%
#341 of 2643 Top 12.9% in $100M-$1B
507
Return on Assets
profitability
Value: 1.82%
Peer Median: 1.32%
#507 of 2643 Top 19.1% in $100M-$1B
600
Efficiency Ratio
profitability
Value: 52.83%
Peer Median: 64.48%
#600 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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