Arbor Bank (FDIC #33450): Bank Stress & Real-Estate Credit Exposure
Arbor Bank (FDIC Cert #33450): bank stress 72/100, elevated, STABLE over 7 days; parent OAKLAND FINANCIAL SERVICES INC.
Arbor Bank (#33450) lends in 4 counties across 2 states; Arbor Bank (#33450) reaches 92 ZIP codes: Nebraska 2 counties, 57 ZIPs; Iowa 2 counties, 35 ZIPs.
Arbor Bank (#33450) largest markets: Douglas County, NE (74 branches, 37 ZIPs) (#33450), Pottawattamie County, IA (24 branches, 24 ZIPs) (#33450), Otoe County, NE (20 branches, 20 ZIPs) (#33450), Fremont County, IA (22 branches, 11 ZIPs) (#33450).
Arbor Bank (#33450) reports $701.7 million in total assets; Arbor Bank (#33450) equity $61.1 million (8.7% of Arbor Bank (#33450) assets); Arbor Bank (#33450) domestic deposits $607.8 million; Arbor Bank (#33450) net income $4.0 million; Arbor Bank (#33450) return on assets 1.16%; Arbor Bank (#33450) return on equity 13.43%; Arbor Bank (#33450) net interest income $13.8 million; Arbor Bank (#33450) call report June 30, 2026.
Arbor Bank (#33450) noncurrent real-estate loans 0.01% of its book; Arbor Bank (#33450) net charge-offs on real estate 0.36%; Arbor Bank (#33450) residential charge-offs 0.14%.
Arbor Bank (#33450) net interest margin 4.14% against an eight-quarter Arbor Bank (#33450) average of 3.89% (Arbor Bank (#33450) compression -0.24 points); Arbor Bank (#33450) real-estate loans 1.4% of equity; Arbor Bank (#33450) non-residential real estate 14.5% of equity; Arbor Bank (#33450) rate-exposure score 40/100, Arbor Bank (#33450) fixed-rate trap 40/100; Arbor Bank (#33450) risk type credit driven; Arbor Bank (#33450) rate regime rates elevated, Arbor Bank (#33450) snapshot October 19, 2026.
Arbor Bank (#33450) stress score moved from 74 on June 22, 2026 to 71.8 on October 20, 2026; Arbor Bank (#33450) ranged 71.8 to 74 over 117 snapshots.
Arbor Bank (#33450) alerts: 4 counties; top Arbor Bank (#33450) alert scores: Nebraska City County, NE 24 (low); Oakland County, NE 24 (low); Omaha County, NE 24 (low); Sidney County, NE 24 (low).