Arbor Bank
Nebraska City, Nebraska, Otoe County
$702M in total assets, the 1,399th largest of 4,309 US banks and 25th of 139 headquartered in Nebraska.
- FDIC certificate
- 33450
- Established
- 1991
- Owned by
- Oakland Financial Services Inc
- Primary regulator
- FDIC
- Website
- http://www.arborbanking.com
At a glance
Compared with 80 banks headquartered in Nebraska with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $702M | 98% | $293M | |
| Loans | $597M | 98% | $217M | |
| Deposits | $608M | 98% | $241M | |
| Return on assets | 1.20% | 35% | 1.33% | |
| Net interest margin | 4.14% | 66% | 3.93% | |
| Efficiency ratio | 73.3% | 94% | 57.7% | |
| Equity to assets | 8.70% | 8% | 11.11% | |
| Loans to deposits | 98% | 84% | 86% |
Growth
Total assets grew 6.2% a year over the last 5 years and 10.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2011 | First Community Bank Sidney, IA | $54M |
| Jun 2007 | Citizens State Bank Oakland, IA, an affiliate under the same holding company | $80M |
| Jul 1991 | The Otoe County National Bank & Trust Co. Nebraska City, NE | $39M |
Where they operate
6 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Douglas County, NE | $303M | 0.9% | 17 of 43 |
| Pottawattamie County, IA | $125M | 5.0% | 7 of 13 |
| Otoe County, NE | $114M | 18.6% | 2 of 12 |
| Fremont County, IA | $66M | 28.2% | 1 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (4 to 6, +50.0%). 2 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2019 | Opened Elkhorn | 1 | 0 | +1 | 5 |
| 2022 | Opened Hamburg | 1 | 0 | +1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 23% | 16% | |
| Business (C&I) | 22% | 11% | |
| 1-4 family residential | 20% | 16% | |
| Farmland | 18% | 21% | |
| Agricultural | 9% | 23% | |
| Construction and land | 6% | 7% | |
| Multifamily | 1% | 3% | |
| Consumer | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 59% | 46% | |
| Noninterest-bearing | 26% | 17% | |
| Time deposits | 16% | 37% |
Brokered deposits are 0.3% of deposits (peers 4.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.03% | 0.20% |
| Net charge-offs, annualized | 0.01% | 0.00% |
| Reserves to loans | 0.99% | 1.27% |
| Leverage ratio | 8.69% | 11.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Douglas County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/arbor