Headquartered in Nebraska City, Nebraska, Arbor Bank is a state-chartered bank with $701.7M in total assets and $607.8M in deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1991.
Arbor Bank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 122nd. Problem-loan coverage contributes the most (82/100, 9.2%); capital cushion contributes the least (37/100, 8.69%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (54 → 57), mostly because the loan quality component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 64 |
| Q2 2025 | 54 |
| Q3 2025 | 56 |
| Q4 2025 | 59 |
| Q1 2026 | 59 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.80% |
| Q3 2024 | 9.01% |
| Q4 2024 | 9.33% |
| Q1 2025 | 9.29% |
| Q2 2025 | 9.07% |
| Q3 2025 | 9.02% |
| Q4 2025 | 9.06% |
| Q1 2026 | 8.91% |
| Q2 2026 | 8.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.47% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.19% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.93% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.90% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.03% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $701.7M | 8.69% | 1.03% | 1.16% | 97.3% |
| Q1 2026 | 59 | $711.5M | 8.91% | 0.90% | 1.03% | 90.0% |
| Q4 2025 | 59 | $658.6M | 9.06% | 0.87% | 1.07% | 100.9% |
| Q3 2025 | 56 | $650.9M | 9.02% | 1.19% | 1.02% | 97.2% |
| Q2 2025 | 54 | $629.4M | 9.07% | 1.36% | 0.90% | 94.6% |
| Q1 2025 | 64 | $616.5M | 9.29% | 0.47% | 0.87% | 91.7% |
| Q4 2024 | 67 | $606.4M | 9.33% | 0.20% | 0.93% | 92.3% |
| Q3 2024 | 65 | $630.9M | 9.01% | 0.22% | 0.87% | 91.4% |
| Q2 2024 | 63 | $611.3M | 8.80% | 0.31% | 0.72% | 90.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Henderson State BankBank Henderson, NE | 72 out of 100, Strong | $678.5M | 10.4% | 0.27% | vs |
| Washington County BankBank Blair, NE | 83 out of 100, Strong | $662.3M | 12.8% | 0.34% | vs |
| Bruning BankBank Bruning, NE | 74 out of 100, Strong | $659.9M | 10.0% | 0.00% | vs |
| Citizens State BankBank Wisner, NE | 72 out of 100, Strong | $653.0M | 10.1% | 0.20% | vs |
| Madison County BankBank Madison, NE | 85 out of 100, Very strong | $613.2M | 15.1% | 0.37% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
Deposit insurance
Is my money safe at Arbor Bank?
Yes. Arbor Bank is an FDIC-insured institution (FDIC certificate #33450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.7% of deposits ($156.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.69%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.06% (benchmark: 10%).
6 locations
Branches
Arbor Bank lists 6 offices in 6 cities across 2 states. Most locations:
- Elkhorn, NE (1)
- Hamburg, IA (1)
- Nebraska City, NE (1)
- Oakland, IA (1)
- Omaha, NE (1)
- Sidney, IA (1)
HMDA 2025
Mortgage lending
In 2025, Arbor Bank reported 532 home-loan applications under HMDA (LEI 54930099BVD0E448JX38): 457 originated ($137,565,000 total), 4 denied, and 62 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Arbor Bank
- Former names
- Otoe County Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 33450
- RSSD ID
- 1872941
- Primary regulator
- FDIC
- Holding company
- Oakland Financial Services Inc
- Established
- July 1, 1991
- Headquarters
- 911 Central Ave, Nebraska City, NE 68410
- Website
- www.arborbanking.com
- Employees
- 135
Quick answers
Arbor Bank: common questions
Is Arbor Bank FDIC insured?
Yes. Arbor Bank is an FDIC-insured institution (FDIC certificate #33450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Arbor Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Arbor Bank ever failed?
There is no failure record for FDIC certificate #33450 in the FDIC failed bank list.
How many branches does Arbor Bank have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Nebraska City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Auburn State BankBank Auburn, NE | 91 out of 100, Very strong | $251.3M | 15.1% | 0.00% | vs |
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| The First National Bank of JohnsonBank Johnson, NE | 88 out of 100, Very strong | $95.6M | 15.2% | 0.00% | vs |
| Citizens Bank & TrustBank Rock Port, MO | 85 out of 100, Very strong | $107.3M | 12.5% | 0.08% | vs |
| First Heritage BankBank Shenandoah, IA | 79 out of 100, Strong | $72.1M | 10.2% | 0.00% | vs |
| Farmers and Merchants BankBank Milford, NE | 78 out of 100, Strong | $1.1B | 10.6% | 0.00% | vs |