BlastPoint's Banking Scorecard
Arlo Bank
Springfield, MO
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 140 in MO.
- Deposits +93.9% year over year ($226.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.79%.
- Efficiency ratio 59.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.08% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Arlo Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Efficiency Ratio 4.53% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.66% below tier average
- - ROA 0.53% below tier average
- - Net Interest Margin 0.79% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$269.1M
+70.9% YoY
+17.7% QoQ
|
-$117.5M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$188.2M
+86.9% YoY
+12.4% QoQ
|
-$70.1M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$226.6M
+93.9% YoY
+21.4% QoQ
|
-$100.2M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
0.79%
+316.5% YoY
-26.4% QoQ
|
-0.53% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.19%
-19.2% YoY
-4.0% QoQ
|
-0.79% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
59.95%
-25.2% YoY
+9.9% QoQ
|
-4.53% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
83.08%
-3.6% YoY
-7.4% QoQ
|
+5.13% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
6.37%
+47.3% YoY
+19.0% QoQ
|
-15.66% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.1% in tier |
| Nonperforming Asset Ratio ? |
0.32%
-81.9% YoY
-56.5% QoQ
|
-0.35% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
13.53%
-38.2% YoY
-10.0% QoQ
|
-2.38% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.31%
+382.0% YoY
+5.5% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
74% |
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
6.4%
+2.0pp YoY +1.0pp QoQ |
-15.8pp | 22.1% | 20.9% | 22.2% | 4% |
| Brokered Deposits |
12.0%
+2.4pp YoY -1.2pp QoQ |
+4.2pp | 7.9% | 7.4% | 8.5% | 80% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.3%
-2.0pp YoY -0.8pp QoQ |
-1.3pp | 11.6% | 12.3% | 12.5% | 54% |
| CRE |
51.7%
+1.4pp YoY +2.0pp QoQ |
+12.2pp | 39.5% | 36.8% | 41.4% | 73% |
| 1-4 Family |
31.9%
+1.9pp YoY -3.1pp QoQ |
-0.7pp | 32.6% | 31.9% | 31.3% | 55% |
| Consumer |
0.6%
-0.1pp YoY +0.3pp QoQ |
-3.5pp | 4.1% | 4.1% | 5.0% | 19% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
13.5%
-8.4pp YoY -1.5pp QoQ |
+1.4pp | 12.2% | 11.6% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
+5 (+26.3%) YoY +1 (+4.3%) QoQ |
-35 | 58 | 162 | 482 | 17% |
| Assets per Employee ($) |
$11.2M
+35.3% YoY +12.8% QoQ |
+$3.7M | $7.5M | $8.0M | $8.8M | 91% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 10.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | 0.4% | +0.3pp | 0.1% | 0.3% | 0.2% | 93% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.8%
+4.1pp YoY -1.2pp QoQ |
-7.3pp | 12.2% | 14.3% | 11.6% | 13% |
| Cost of Funds (YTD) |
3.4%
+0.1pp YoY -0.1pp QoQ |
+1.6pp | 1.7% | 1.8% | 1.7% | 100% |
| Net Income ($, YTD) |
$922,000
+603.8% YoY — QoQ |
-$1.6M | $2.6M | $11.3M | $40.4M | 24% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.