| Metric | Arlo Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +70.9% | +4.4% | +66.5 pts |
| Deposit growth (YoY) | +93.9% | +4.0% | +89.9 pts |
| Loan growth (YoY) | +86.9% | +5.6% | +81.3 pts |
| ROA | 0.79% | 1.24% | -0.4 pts |
| ROE | 4.8% | 11.9% | -7.0 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.1M | $226.6M | $188.2M | $38.4M | $922K | 0.79% | 3.19% | 0.32% |
| Q1 2026 | $228.7M | $186.7M | $167.5M | $38.1M | $577K | 1.08% | 3.33% | 0.73% |
| Q4 2025 | $199.3M | $158.3M | $146.1M | $37.6M | $594K | 0.38% | 3.66% | 1.00% |
| Q3 2025 | $173.1M | $131.8M | $124.4M | $37.1M | $135K | 0.12% | 3.81% | 1.43% |
| Q2 2025 | $157.5M | $116.9M | $100.7M | $37.2M | $131K | 0.19% | 3.95% | 1.74% |
| Q1 2025 | $136.0M | $93.5M | $85.1M | $37.2M | $97K | 0.30% | 4.38% | 0.74% |
| Q4 2024 | $119.1M | $84.8M | $74.7M | $29.4M | $-557K | -0.72% | 1.47% | 0.99% |
| Q3 2024 | $67.4M | $50.7M | $52.6M | $10.1M | $-576K | -1.14% | 2.76% | 0.05% |
Loan mix (Q2 2026): real estate $163.6M · commercial $19.4M · consumer $1.2M · securities $11.5M
| Ratio | Arlo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 62.9% | 42nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Arlo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Arlo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Arlo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Arlo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Arlo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $116.9M branch deposits. Biggest market: Greene, MO, ranked 24th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greene, MO | 1 | $116.9M | 0.79% | 24th |
Missouri: 204th with 0.04% · Springfield metro: 27th, 0.63% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1