BlastPoint's Banking Scorecard
Arlo Bank
Micro
Specialty: Commercial
MO
FDIC cert 29143
Designations: ✓ Community bank
Springfield, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Arlo Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.3M
+67.4% YoY
+15.1% QoQ
|
-$18.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$146.1M
+95.5% YoY
+17.5% QoQ
|
+$6.9M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$158.3M
+86.7% YoY
+20.1% QoQ
|
-$25.4M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
0.38%
+152.7% YoY
+207.8% QoQ
|
-0.71% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.66%
+149.8% YoY
-3.8% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
72.90%
-2.0% YoY
-11.2% QoQ
|
+5.18% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
1.37%
-12.9% YoY
-15.5% QoQ
|
+0.73% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
92.31%
+4.7% YoY
-2.2% QoQ
|
+17.78% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
3.88%
-49.5% YoY
-25.5% QoQ
|
-18.51% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
1.00%
+1.7% YoY
-29.7% QoQ
|
+0.55% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
+34.0% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.88%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
59
59th pctile
Total Loans
Current: $146.1M · Tier avg: $139.2M
51
51th pctile
Total Assets
Current: $199.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Deposits
Current: $158.3M · Tier avg: $183.7M
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
33
33th pctile
Efficiency Ratio
Current: 72.90% · Tier avg: 67.73%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
21
21th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.64%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 74.53%
14
14th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.88% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.88% · Tier avg: 22.39%
14
14th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 74.53%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
21
21th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.64%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
33
33th pctile
Efficiency Ratio
Current: 72.90% · Tier avg: 67.73%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
48
48th pctile
Total Deposits
Current: $158.3M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $199.3M · Tier avg: $217.5M
59
59th pctile
Total Loans
Current: $146.1M · Tier avg: $139.2M