BlastPoint's Banking Scorecard
Arlo Bank
Springfield, MO
Arlo Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42.5% in tier
- + Efficiency Ratio 10.75% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.66% below tier average
- - ROA 0.19% below tier average
- - Net Interest Margin 0.60% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$228.7M
+68.2% YoY
+14.7% QoQ
|
-$157.4M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$167.5M
+96.8% YoY
+14.6% QoQ
|
-$88.2M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$186.7M
+99.6% YoY
+17.9% QoQ
|
-$141.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.08%
+254.5% YoY
+185.0% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.33%
-24.1% YoY
-9.2% QoQ
|
-0.60% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
54.54%
-26.8% YoY
-25.2% QoQ
|
-10.75% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
0.47%
-60.1% YoY
-65.3% QoQ
|
-0.41% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
89.71%
-1.4% YoY
-2.8% QoQ
|
+13.07% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
5.36%
+10.9% YoY
+38.0% QoQ
|
-16.66% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.8% in tier |
| Nonperforming Asset Ratio ? |
0.73%
-2.5% YoY
-27.7% QoQ
|
+0.09% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
15.04%
-41.8% YoY
-14.2% QoQ
|
-0.79% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.29%
+40.7% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Top 6.8% in tier |
Get Full Access to Arlo 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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.