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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Nebraska City, NE · FDIC certificate #33450
ARBOR BANK is an FDIC-insured institution based in Nebraska City, NE (FDIC certificate #33450). In its Q3 2026 Call Report it reported total assets of $714M, total deposits of $621M and net loans of $586M. Its primary federal regulator is FDIC.
Plain-language readout
ARBOR BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $714M in Q3 2026 and were lowest at $702M in Q2 2026.
Total deposits were highest at $632M in Q1 2026 and lowest at $608M in Q2 2026.
Over the whole period total assets rose 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $714M | $621M | $586M | 1.14% | 13.30% | 4.15% |
| Q2 2026 | $702M | $608M | $591M | 1.16% | 13.43% | 4.14% |
| Q1 2026 | $712M | $632M | $569M | 1.03% | 11.85% | 3.98% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $38.9M | $72.3M | -$33.4M | -46.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $50.4M | $49.7M | +$670K | +1.3% |
| Equity securities with readily determinable fair values, not held for trading | $107K | $107K | $0K | 0.0% |
| Loans and leases held for sale | $10.3M | $8.0M | +$2.3M | +29.1% |
| Net loans and leases (after allowance) | $581.0M | $560.6M | +$20.4M | +3.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.7M | $10.8M | -$21K | -0.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.3M | $1.3M | -$42K | -3.2% |
| All other assets | $9.0M | $8.8M | +$237K | +2.7% |
| Total assets | $701.7M | $711.5M | -$9.8M | -1.4% |
| Liabilities | ||||
| Total deposits | $607.8M | $631.8M | -$24.0M | -3.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $30.0M | $17.0M | +$13.0M | +76.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.8M | $2.7M | +$144K | +5.4% |
| Total liabilities | $640.6M | $651.5M | -$10.8M | -1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $43.7M | $43.7M | $0K | 0.0% |
| Retained earnings | $17.9M | $16.9M | +$1.0M | +6.0% |
| Accumulated other comprehensive income | -$1.1M | -$1.0M | -$19K | -1.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $61.1M | $60.1M | +$995K | +1.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.2M | $5.2M | +$957K | +18.4% |
| Adjusted nonperforming assets | $6.2M | $5.2M | +$957K | +18.4% |
| Tangible equity plus allowance | $65.7M | $64.5M | +$1.2M | +1.9% |
| Texas ratio (gross) | 9.36% | 8.06% | +1.31 pts | See points |
| Texas ratio (adjusted) | 9.36% | 8.06% | +1.31 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 11.02% | 11.21% | -0.19 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.02% | 11.21% | -0.19 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.05% | 1.05% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.06% | 12.26% | -0.19 pts | See points |
| Tier 1 leverage (approximate) | 8.69% | 8.91% | -0.22 pts | See points |
| Construction and land loans to total capital | 53.84% | 53.60% | +0.24 pts | See points |
| Commercial real estate to total capital | 164.68% | 169.12% | -4.44 pts | See points |
| Dividend payout, year to date | 31.09% | 0.00% | +31.09 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.69% | -1.69% | -0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $584.1M | $585.2M | -$1.1M | -0.2% |
| Non-core funding | $53.8M | $63.6M | -$9.8M | -15.5% |
| Loans to core deposits | 100.49% | 96.78% | +3.71 pts | See points |
| Loans to deposits | 96.56% | 89.64% | +6.92 pts | See points |
| Brokered deposits share of deposits | 0.34% | 3.78% | -3.44 pts | See points |
| Pledged securities share of securities | 51.03% | 44.82% | +6.21 pts | See points |
| Loans pledged, share of loans | 17.72% | 19.07% | -1.35 pts | See points |
| Volatile liabilities | $53.8M | $63.6M | -$9.8M | -15.5% |
| Earnings | ||||
| Earnings before provision, year to date | $4.4M | $1.9M | +$2.5M | +134.9% |
| Earnings before provision, single quarter | $2.5M | $1.9M | +$649K | +34.9% |
| Provision for credit losses, year to date | $250K | $75K | +$175K | +233.3% |
| Yield and cost | ||||
| Yield on loans and leases | 6.35% | 6.25% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 4.37% | 2.93% | +1.44 pts | See points |
| Total interest income to average assets | 5.80% | 5.61% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.83% | 0.79% | +0.04 pts | See points |
| Cost of savings and money market deposits | 2.62% | 2.52% | +0.09 pts | See points |
| Cost of time deposits | 3.26% | 3.29% | -0.03 pts | See points |
| Total interest expense to average assets | 1.76% | 1.77% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $714M | $621M | $586M | 1.14% | 13.30% | 4.15% |
| 2026-06-30 | $702M | $608M | $591M | 1.16% | 13.43% | 4.14% |
| 2026-03-31 | $712M | $632M | $569M | 1.03% | 11.85% | 3.98% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $360.5M | 0.39% | 53 | Continuing · -0.01 pp |
| IA | $196.3M | 0.16% | 137 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.