# ARCADIAN BANK
HARTLAND, MN · FDIC certificate 10561 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $242.1M | |
| Deposits | $206.1M | |
| Loans and leases | $182.3M | |
| Total equity | $28.6M | |
| Loans / deposits | 87.38% (p75 of band) | 73.59% |
| Liquid assets / assets | 20.25% (p22 of band) | |
| Uninsured deposits / deposits | 21.05% (p54 of band) | 19.81% |
| Brokered deposits | 7.47% | |
| Wholesale funding | 10.36% (p85 of band) | |
| FHLB advances / assets | 2.89% | |
| Tier 1 leverage | 12.01% (p53 of band) | 11.76% |
| Unrealized securities loss / equity | -5.28% (p56 of band) | -6.57% |
| AOCI / equity | -0.82% (p32 of band) | |
| ROA (annualized) | 2.07% (p87 of band) | 1.17% |
| Net interest margin | 4.56% (p78 of band) | 3.93% |
| Efficiency ratio | 54.25% (p22 of band) | |
| Noncurrent loans | 0.10% (p34 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 1297.14% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 10.31% (p39 of band) | |
| Auto loans | $207,000 (0.11% of loans; DQ 1.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | wholesale funding >15% |
| 2012-03 | 2 | uninsured deposits leaving | brokered >10% |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 | NIM <2.5%, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  | NIM <2.5% |
| 2014-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2015-03 | 1 |  | brokered >10%, wholesale funding >15% |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 0 |  | reserve under noncurrent, charge-offs p90, capital falling |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | capital falling | reserve under noncurrent |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | uninsured deposits leaving |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | deposits shrinking, assets shrinking |  |
| 2021-12 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-24 [She Means Business: Women’s networking and empowerment organization in Freeborn County - kimt.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNbnBrZ3RRQWRGV3dsMXZuZTZTRTVReGVkdE1NbnNqMU9YakZ1VkRJUWJQcW0tVTB3Mk9iSnc4SXZ0ZHh4bU9lWkNXT2ZPZno3aDlaWmdNLWpXR290clFXa2pTamlZVVJ3NVRVdWhCNHpZakYzMTZycXRkTWlKazlwQV9TaUpDZnBNZWh0SEV0NkgzdTI4Z2VZQ1BvWjZUU2Fid0xTck5OeURGTk5DRVRuY28tdUhQM19pRW9DQ2haTTUxaUJsYi1XT21JSzhrSVA1czJXTXQ3ZEFTVzZHcWpOVWRtX1RPOXZZZ0JDYTg3MU14N2s?oc=5) · kimt.com
- 2023-09-14 [Community celebrates, tours new Arcadian Bank in Hartland - Albert Lea Tribune](https://news.google.com/rss/articles/CBMiowFBVV95cUxPNExzWWZ0Z1M1OUZoQi1zRFlvbkVlMGwzbnpRM3haRGdma2hKYnIxb1dUNXphb1ZZSklzWFlSSnJJTUlUeF9ZalFFODkzVDZ2OGZiVlZLMWpZWUFIdnhad0J3SS1yN1U2SERVVmo2QzYxZEF6aEo0cDNxdEctTER2WUQwSlV5UTBTTVlGYnZDM2sxVUptOGZFT25ESElkb1U0SjhN?oc=5) · Albert Lea Tribune
- 2023-05-01 [Best Places to Work in southeast Minnesota revealed - kaaltv.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQVE9fWGt0cVN5VjBsd2gwSUJmMWctNGpsdlB0Y2xGUk9pcEZDYlJHZHNBWUY0VFo4T3NNM0hSekszMFVSdjJhSjQwZEI2ckxuWTdwcTloLXI4R2ZBNkxLcTNQMEVhUVIxZDB0ZGNqek81MlJTSWFJM2s3YlBJRUlseGt6azh4aDg?oc=5) · kaaltv.com
- 2021-12-16 ['Historic' southern Minn. storm: Two tornadoes confirmed, damage surveys continue - MPR News](https://news.google.com/rss/articles/CBMikwFBVV95cUxPdUpiczlfbFBPZmhaN1RkSTIxSjhoVW92REJ4c2EwMk5xYjlXUVdkMk51cEdYUzJ6NVkxRURubXQ0MTlCRlRVbElkYjBkLVplWS1raVZMZG1JcmN6MEJjT3BJWXpDbzEzWjdLTkNQUENiMlAtNzJYc2JsM2dfSzFjNk1YR2ZzQmh4MnQtWGk5RmdIQVU?oc=5) · MPR News
- 2021-11-19 [New staff members at Arcadian Bank announced - Albert Lea Tribune](https://news.google.com/rss/articles/CBMikwFBVV95cUxNM0k1WDFxN3U3ajNGUXUzOXlNV0FZVW11R0JTT1FOcGdEZ1dZdmtUNHoybGhOTVhyVHQ5RlBZaElkTHZWY0p0NWNCNG1rWmlkUVZNblJ6aVdVelRaa1RIZDVFS0I3b2hRb3RBZnNCd0kwdzRyY01qY3dLWHBNdmR3SkViSUltUjJMNVVjNmVtNXlxTkk?oc=5) · Albert Lea Tribune
- 2025-05-29 [Gemini named one of area’s Best Places to Work for 2025 - Cannon Falls Beacon](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQMXYzTWRzcnNVSUgwRE0wZ1ZVWmJhT0lkVzJMRW9PTW9ZS2wzT0UxUkNoS3FJVDM1Y3FHU1NNWXNSNFlNT0F4YUYzNFgtR2tZSjc1eEdKVEJQZVNEQ0hDR2xLOGxOT0JwY3hHZGgweWRRNk42Y01pSThQM3lyZjZaTzFTSU9JM0NTSlk4UTJ4M0l0em5zU2RyUjI0bGNoTWdDaVlUblg0OV9NVjZxTUdtWDZrWmluQVlBNjhJYm5qQ1gxTXVmNU5YVmdMMW9KVXY2a3hybk92N2l3eDFIb2Rheloya2VyNy1x?oc=5) · Cannon Falls Beacon
- 2023-04-30 [LaMoyne Gustav Heidemann Obituary Apr 30, 2023 - Bayview Freeborn Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE5BQ041dkQ0VlZvcGQzOUxhSFJja2JkM0FNdUh3eTlLLW5FMWpkSEtlOThka2ZHZ2pFYmJLUUk5MG1wLW1oNjJLNGo5cGo1SmFZbkRwMExzUFAyN3ZwWkNGajBtOGhZeERreU5j?oc=5) · Bayview Freeborn Funeral Home
- 2026-05-05 [Cleone Dulas Obituary (2026) - Albert Lea, MN - Bonnerup Funeral & Cremation Service - Albert Lea - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQOVF3OWZHbkF2dG9jZm9JYVVlakhINnQ3dnlJdXN4YlRvWVRGUkN3UmtwV0pqM0dLNnlXUTdYWTFKU0pTRDVIbEhWYU1oSlhlS3RuOEdkQUc3UU5Yblh5RFBZcDJLWl9SUzI0ZWNwbVNYRzBsSUNmREpyZjJ2T0lxUg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10561 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "10561", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide