BlastPoint's Banking Scorecard

Arbor Bank

Community Specialty: Agricultural NE FDIC cert 33450

Nebraska City, NE

1484 banks in Community tier nationally 39 in NE

View Community leaderboard (NE) →

Arbor Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$658.6M +8.6% YoY +1.2% QoQ	-$732.8M	$1.4B +2.0% YoY	$784.0M +6.0% YoY	$5.9B +6.5% YoY	23%
Total Loans ?	$563.8M +11.6% YoY +2.4% QoQ	-$411.7M	$975.5M +2.4% YoY	$552.2M +6.8% YoY	$3.1B +8.5% YoY	38%
Total Deposits ?	$558.9M +2.1% YoY -1.3% QoQ	-$605.7M	$1.2B +1.7% YoY	$649.0M +5.0% YoY	$4.7B +6.3% YoY	22%
Return on Assets ?	1.07% +14.9% YoY +4.7% QoQ	-0.09%	1.16% +17.2% YoY	1.20% +15.2% YoY	1.12% +15.6% YoY	45%
Net Interest Margin ?	3.86% +10.2% YoY -4.2% QoQ	+0.20%	3.66% +9.1% YoY	3.74% +7.8% YoY	3.75% +7.1% YoY	63%
Efficiency Ratio ?	74.87% -1.1% YoY -2.1% QoQ	+12.24%	62.63% -5.3% YoY	61.59% -6.3% YoY	65.09% -5.1% YoY	17%
Delinquency Rate ?	0.88% +334.9% YoY -26.7% QoQ	+0.25%	0.63% +18.3% YoY	0.29% +38.1% YoY	0.66% +20.3% YoY	29%
Loan-to-Deposit Ratio ?	100.87% +9.3% YoY +3.8% QoQ	+17.81%	83.06% +0.3% YoY	82.86% +0.3% YoY	78.04% +0.7% YoY	Bottom 12% in tier
Non-Interest-Bearing Deposit Share ?	21.17% +6.6% YoY +2.9% QoQ	+0.13%	21.05% -0.9% YoY	18.22% -2.1% YoY	21.79% -1.3% YoY	55%
Nonperforming Asset Ratio ?	0.75% +346.8% YoY -25.8% QoQ	+0.25%	0.50% +20.3% YoY	0.26% +54.6% YoY	0.48% +20.8% YoY	27%
Tier 1 Capital Ratio ?	10.91% -8.4% YoY +0.1% QoQ	+0.67%	10.24% -0.6% YoY	6.79% +0.2% YoY	9.75% -1.9% YoY	36%
Non-Interest Income / Assets ?	0.84% +11.8% YoY +41.8% QoQ	+0.10%	0.74% -1.3% YoY	0.47% -3.0% YoY	0.65% +0.6% YoY	80%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Non-Interest Income / Assets

Current: 0.84% · Tier avg: 0.74%

80th pctile

Net Interest Margin

Current: 3.86% · Tier avg: 3.66%

63th pctile

Non-Interest-Bearing Deposit Share

Current: 21.17% · Tier avg: 21.05%

55th pctile

Return on Assets

Current: 1.07% · Tier avg: 1.16%

45th pctile

Total Loans

Current: $563.8M · Tier avg: $975.5M

38th pctile

Tier 1 Capital Ratio

Current: 10.91% · Tier avg: 10.24%

36th pctile

Delinquency Rate

Current: 0.88% · Tier avg: 0.63%

29th pctile

Nonperforming Asset Ratio

Current: 0.75% · Tier avg: 0.50%

27th pctile

Total Assets

Current: $658.6M · Tier avg: $1.4B

23th pctile

Total Deposits

Current: $558.9M · Tier avg: $1.2B

22th pctile

Efficiency Ratio

Current: 74.87% · Tier avg: 62.63%

17th pctile

Loan-to-Deposit Ratio

Current: 100.87% · Tier avg: 83.06%

12th pctile

Top Weaknesses