BlastPoint's Banking Scorecard
Arbor Bank
Nebraska City, NE
6 branches across IA · NE
Arbor Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency Ratio 10.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$711.5M
+15.4% YoY
+8.0% QoQ
|
+$325.5M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Top 12.1% in tier |
| Total Loans ? |
$568.6M
+11.1% YoY
+0.9% QoQ
|
+$312.9M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 7.2% in tier |
| Total Deposits ? |
$631.8M
+13.2% YoY
+13.0% QoQ
|
+$303.8M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Top 10.6% in tier |
| Return on Assets ? |
1.03%
+18.5% YoY
-4.3% QoQ
|
-0.24% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.98%
-0.9% YoY
+3.2% QoQ
|
+0.05% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
75.83%
-4.2% YoY
+1.3% QoQ
|
+10.55% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.91%
+93.6% YoY
+3.8% QoQ
|
+0.03% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
90.00%
-1.8% YoY
-10.8% QoQ
|
+13.36% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
19.10%
+0.4% YoY
-9.8% QoQ
|
-2.92% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.73%
+86.4% YoY
-3.0% QoQ
|
+0.09% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
11.21%
-4.1% YoY
+2.7% QoQ
|
-4.62% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.16%
+11.7% YoY
-81.0% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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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.