# ARLO BANK
SPRINGFIELD, MO · FDIC certificate 29143 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $269.1M | |
| Deposits | $226.6M | |
| Loans and leases | $190.1M | |
| Total equity | $38.4M | |
| Loans / deposits | 83.08% (p67 of band) | 73.59% |
| Liquid assets / assets | 21.83% (p26 of band) | |
| Uninsured deposits / deposits | 43.17% (p94 of band) | 19.81% |
| Brokered deposits | 10.14% | |
| Wholesale funding | 11.12% (p86 of band) | |
| FHLB advances / assets | 0.98% | |
| Tier 1 leverage | 13.53% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -0.49% (p82 of band) | -6.57% |
| AOCI / equity | -0.34% (p52 of band) | |
| ROA (annualized) | 0.79% (p30 of band) | 1.17% |
| Net interest margin | 3.19% (p18 of band) | 3.93% |
| Efficiency ratio | 59.95% (p35 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.33% (p95 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 34.34% (p67 of band) | |
| Auto loans | $262,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 93.9% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, losing money, charge-offs p90 |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 5 | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-06 | 5 | uninsured deposits leaving | charge-offs p90 |
| 2012-09 | 4 |  | loans exceed deposits |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 6 | capital falling, losing money, expense ratio p90 |  |
| 2013-06 | 4 |  | deposits shrinking, assets shrinking |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | capital falling |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 5 | deposits shrinking, assets shrinking |  |
| 2014-12 | 6 | noncurrent p90 |  |
| 2015-03 | 6 | charge-offs p90 | noncurrent p90 |
| 2015-06 | 6 |  |  |
| 2015-09 | 6 |  |  |
| 2015-12 | 5 |  | charge-offs p90 |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 6 | loans exceed deposits, uninsured deposits leaving | reserve under noncurrent |
| 2017-03 | 5 |  | uninsured deposits leaving |
| 2017-06 | 6 | reserve under noncurrent |  |
| 2017-09 | 6 | capital falling, noncurrent p90 | deposits shrinking, loans exceed deposits |
| 2017-12 | 9 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% | assets shrinking |
| 2018-03 | 7 |  | loans exceed deposits, liquid assets <10% |
| 2018-06 | 5 |  | capital falling, wholesale funding >15% |
| 2018-09 | 5 |  |  |
| 2018-12 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 8 |  |  |
| 2019-06 | 6 |  | reserve under noncurrent, noncurrent p90 |
| 2019-09 | 6 |  |  |
| 2019-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-03 | 1 |  | losing money, expense ratio p90 |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 2 | capital falling | brokered >10% |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 | expense ratio p90 |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | charge-offs p90, capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 4 | loans exceed deposits, wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2023-03 | 6 | expense ratio p90, deposits shrinking |  |
| 2023-06 | 5 | brokered >10% | uninsured deposits leaving, deposits shrinking |
| 2023-09 | 7 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2023-12 | 4 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2024-03 | 4 | capital falling | expense ratio p90 |
| 2024-06 | 6 | losing money, expense ratio p90 |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 4 | NIM <2.5% | loans exceed deposits, capital falling, expense ratio p90 |
| 2025-03 | 0 |  | wholesale funding >15%, brokered >10%, losing money, NIM <2.5% |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 2 | capital falling | noncurrent p90 |
| 2025-12 | 3 | brokered >10% |  |
| 2026-03 | 2 |  | reserve under noncurrent |
| 2026-06 | 3 | charge-offs p90 |  |

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

- 2025-12-22 [Arlo Bank opens its new Springfield banking center - Springfield Business Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOSGRRQnVqTEVrQUd6M3NSUWxtRG9lZjdvYzJ3bWJ2SVBwX1ltbExQeHZCWmhPaGlQTDRxaWhWN1pkbzFEZEJRVjlYa3dGNE9fMVlaQkxmcy1XdmxFZzRScllYa3F6TEtOelZ1M2hZQUdpczhFdVpIejdLWXpMZTVCUnlHTVY2cndy?oc=5) · Springfield Business Journal
- 2025-02-05 [Arlo Bank starts demolition on headquarters in south Springfield - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMisgFBVV95cUxNSjliRlNySEN5LTJpRXI2Y1Z4ZkREemdLamlZUHlRelFrd0xvdDlSczRIYW8zaXJXcmdUR2pvbU0zdEIwS1NqUEJfUjFBZENvYUxfTTQ2X05JNG10dDE1Unc3a05QbVNTMzdoRGVPbEJsSW5JbU0yMXVlYTdTNVp3U2Y5eVFKN0E3RDZYYWUwRkNNVFp5SnhfZXBudGd6WlZBNWhET2N5S0h5bFRoUnBtalNn?oc=5) · Springfield Daily Citizen
- 2024-10-01 [Century-old Springfield bank rebrands as Arlo Bank amid $14M acquisition - Springfield Business Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxQV0JFUi1WRHZYVHhxOWdsVjBwV2NYbkFyMUZIeDIyMWZVWV9xYmU1eFpkOXVHd0dna0dqX01aaUQ0MzdteUFGb3J0UC1pSW1oQTd3ZTlla3ZsdzlJNzdPUlc5dFJBcDJOeVNwYWIyb3FWQ25KS0hQLVpuOW9sU2dlNWtxNUcwRndDbm5yNExXbGpBWUZHTG0wVV92OHJicWVwR0xR?oc=5) · Springfield Business Journal
- 2024-11-08 [Open for Business: Arlo Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9UNGhfRUhERUgwX0FhZDlKdlpkVENMWlBQTXJlZGpsWnlXVExDUndyMl9JaHphdmxJeXJTaUs2ZWd0MWd3dUlVMmg1N2o3bnZQd1VMZDlWUjM1cFNvbm95U1MyM2JtbGJU?oc=5) · Springfield Business Journal
- 2025-06-18 [Arlo Bank targets $500M asset goal - Springfield Business Journal](https://news.google.com/rss/articles/CBMickFVX3lxTE1CcTRfeERpSkdyazd2Y1pjN3FKOGI4NEFJWXpxaFU2SVlxSzdYR3dBTW80Zl9Wc2tndldqWm8zSlNZa2E5NFR2LTFmU2Y2dWdaVlk3T1ZnTm1xNXdCQ1hfeXVTT1BfZVFob2lDTE9kQ1h1Zw?oc=5) · Springfield Business Journal
- 2025-05-23 [12 People You Need to Know: Mark Bybee - Springfield Business Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTE1yQS1rZGZRNlN3REU3NEpwS3A2MmE1alNJaXJJWFppRGFJNV9TOGtqYmpoaUpQamg3QUcycTlrSUVyRnV5OWl0VGttWEZMOUVlX19PcDBuSE9CQXBIWXd3UldJaU50R1I3OGN0Yk9rYlpiZ1k5M3c?oc=5) · Springfield Business Journal
- 2024-10-15 [Arlo Bank buys former Los Cabos building for new location - Springfield Business Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxNM19BUV81TlBxNjJHNnZfakRvYUdSQkxHcXZVcUhvWnF5ZXpzRlR4eE1ObmtKdnBuTzJkQU1mU293UUkzNEdBSkFsV0VkYVNHU0pjNkM0LWI3VUVYWWZ6dkNiWkgzYzdmd1U2SG1xYklPU2VBaWl6NjlWZjVYR3F0SEVoUHdJS0xPcUdDdTNwbFE?oc=5) · Springfield Business Journal
- 2024-08-14 [Systematic Savings Bank acquisition approved by regulators - Springfield Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSDZTbTUwUkJSalJ5TjBxWVRLeGt3R3FjRUxEX1hnTllkTDd6bC1BRjFZSTY0ejh4QjhzV2hDOGtIVjczbjVKUExOb0Q5WWFRdXFNOWJ2dnNnZjB6UVI3Q09NMGlrazRURm1iQ0Nya192cGRDOE1KZk1XNlB1cUIxM096MXZOM2toaUU0T0dsYm4zdw?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29143 (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/23.json (key "29143", 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