# ARBOR BANK
NEBRASKA CITY, NE · FDIC certificate 33450 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $701.7M | |
| Deposits | $607.8M | |
| Loans and leases | $597.2M | |
| Total equity | $61.1M | |
| Loans / deposits | 97.28% (p85 of band) | 82.04% |
| Liquid assets / assets | 12.74% (p11 of band) | |
| Uninsured deposits / deposits | 25.73% (p49 of band) | 25.97% |
| Brokered deposits | 0.29% | |
| Wholesale funding | 4.57% (p56 of band) | |
| FHLB advances / assets | 4.28% | |
| Tier 1 leverage | 8.69% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | -1.90% (p80 of band) | -8.10% |
| AOCI / equity | -0.32% (p52 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 4.14% (p63 of band) | 3.91% |
| Efficiency ratio | 73.29% (p80 of band) | |
| Noncurrent loans | 1.03% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 95.89% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 59.95% (p63 of band) | |
| Auto loans | $1.3M (0.21% of loans; DQ 0.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 135 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2022-11-08 [How one community bank is using technology to price deposits - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYUQtbWZjVkZoMFY3TW0wTlFKNHNyRWV3NTJaQVJRVGtUZjBDbVlndnhaTVNEQ2xNUXktSDlyNGNDRFpiYUFaa2trRHhXQ0plWWhYNk5mY1hOQWxnN01yazlxc2UzNDJORHBZSF92dFNxazJsVGk1bnZvdUJ4QlNSeWU0NlhhaXpiVm95Z3VObnVTRnhIVXdMQ0Y5OGo?oc=5) · American Banker
- 2020-08-04 [Mission Bank appoints new executive - bakersfield.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOVVJWYjZ4V0Y3VVBidm9MZDB1YVNnRmZKNVJVeS1Ka0ZoenI3Vmc3SmdlOVY3S3hNXzRwcTlsYWFYVmt3SmNwUmN5RDF5S2hfcVNMcnZqdnVBU0xJaE0za0h5dFNUVFRzQUJ1SktoLVhvSEpBOU5weVEyb3JLOXVCbnJCUjJoT095UEx6YkM5TldEWmxfZDNONW9xdzZfS1ZnZ045cFRWRDFnSHpLSFZZTnItNkVpYkVxNkE?oc=5) · bakersfield.com
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcGx5cWRnX3M1WmFBczB1UkNfTG5UT0x0WVp0ZWc3UHdqRVoxSEtvQVdxdC1DLWM4eVduOFhqWnFKbGV4MjZlVjRZZlJlZVRFaGxNZDE4dVZJVkFNQ3NseFFhS2pveDlIMmhMTnNUZFpEdUNaRVJJQnpTRnhaS0d3U05oSQ?oc=5) · Newsweek Rankings
- 2014-06-23 [Steve Andersen joins Arbor Bank board of directors - Lincoln Journal Star](https://news.google.com/rss/articles/CBMimwFBVV95cUxQRVVVQlFFZEZweDRZZGhBS2l1aDJteXNZQzM2TFZBV3RqVmlsUGtHZWh6WTVGYUNQZUpIZU55ejVhV2gzUkRWTEdNeE1TNWFGRmRNYk9nemhzdkZZSTQ2S2VoNkFKWHZ1WEZGU0JLWTdEX2VFNjJaSGg5dzQ3dXczWVhqUjA2RkV2cmpJdi1MUUJZNFc0dG1wVGR4VQ?oc=5) · Lincoln Journal Star
- 2026-03-24 [Nebraska Leaders Program launches to combat college graduate exodus - WOWT](https://news.google.com/rss/articles/CBMingFBVV95cUxPSlBqZmI1RDQ2NUhLX0dubW14NXl0YW1mNmhCM0s0UWl0dE4zOHRvVk56MEUyeVZzbDczY2hjQ00wSVRvaFpDSXF1V3dEdG1DWnZ2cEhmRUVQdWtUMmRkWC0ydHBmYVpSZXhzeDdFT2pwVktPWFVyWThoME82bGM3V3ZUOVZvVlpwS09Ga3dwRV9pRGN0Vk5wNE5DejlYUdIBsgFBVV95cUxPTWcyY2tGdXU4aUxkX2c0cjZENzllcnZhYWFvNThzc0dvT2NralZYYzIwbGhQMklZNHlkSmdpVmNzXzJ1Q3JwbUs1VEdtSjlCdk5wMzVTdTJMalpmM1Vrck4xSDh5cUZYQnUyT2JzbDlCY0toaWlQQmRIR2ZNOVlNQzRMUVpUU2pEcGF2VmFOSFMwZ2p0VDJTYnRtOXcwTUhnTnFoZUpKZ3NlM25zeDI1bEJn?oc=5) · WOWT
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2022-12-05 [Community bank takes on Bankrate and NerdWallet rate comparison sites - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNUEthbWFWaVM5cmYydmdMWWw1TFY5N3pEeTVNMUZlZEVJQUhNdlg0Um0yZ1BNaHNxb3p2NmNTNEpUaU45TTZpWVhLNUZ5YzIxZGQxMFF5UzBjUkpwWlhwOTZvaEh1Y3hoSlQ2Z1FoZWtsVFJRbFFtU01POWZQS2NZb0VFdkRRQldqbjlCTFdPOVoyU0RYbTg5d3FVZy1EczZ4UDVzaTZXTGw?oc=5) · American Banker
- 2015-09-15 ['No such thing as easy money' Ann Arbor bank robber declares at sentencing - MLive.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQS1VPOEpZU2ZLTDVxUlg4dnpkX2h5amc5V2VGRTFKY0dwVEZidlVPbDN0QVlIbVFlTzA2bkRoWHJTQXlCb3Q1Y1ZUWEhsUk9BWmlQbTJQQldIZFZSSmZTSTg2QWctbFNsSUJnaGh4YXM1WFN0aGlrNUoxUmRXVXk1cGtTOFBnY2s?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33450 (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/42.json (key "33450", 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