Headquartered in Hartland, Minnesota, Arcadian Bank is a state-chartered bank with $242.1M in total assets and $206.1M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1912.
Arcadian Bank has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 22nd. Earnings contributes the most (100/100, 2.07%); funding & liquidity contributes the least (66/100, 87% loans-to-deposits, 21% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 85).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 80 |
| Q1 2025 | 83 |
| Q2 2025 | 84 |
| Q3 2025 | 83 |
| Q4 2025 | 83 |
| Q1 2026 | 83 |
| Q2 2026 | 85 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.92% |
| Q3 2024 | 12.11% |
| Q4 2024 | 12.33% |
| Q1 2025 | 12.59% |
| Q2 2025 | 12.71% |
| Q3 2025 | 11.94% |
| Q4 2025 | 11.86% |
| Q1 2026 | 11.90% |
| Q2 2026 | 12.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.44% |
| Q1 2025 | 1.63% |
| Q2 2025 | 1.74% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.85% |
| Q1 2026 | 1.91% |
| Q2 2026 | 2.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $242.1M | 12.01% | 0.10% | 2.07% | 87.4% |
| Q1 2026 | 83 | $241.4M | 11.90% | 0.13% | 1.91% | 88.6% |
| Q4 2025 | 83 | $237.0M | 11.86% | 0.10% | 1.85% | 90.5% |
| Q3 2025 | 83 | $235.9M | 11.94% | 0.12% | 1.81% | 85.4% |
| Q2 2025 | 84 | $226.8M | 12.71% | 0.15% | 1.74% | 88.6% |
| Q1 2025 | 83 | $224.5M | 12.59% | 0.16% | 1.63% | 86.8% |
| Q4 2024 | 80 | $222.5M | 12.33% | 0.18% | 1.44% | 90.6% |
| Q3 2024 | 78 | $219.4M | 12.11% | 0.23% | 1.36% | 92.4% |
| Q2 2024 | 76 | $223.8M | 11.92% | 0.26% | 1.14% | 87.2% |
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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Center National BankBank Litchfield, MN | 80 out of 100, Strong | $242.6M | 11.1% | 0.00% | vs |
| First Farmers & Merchants National BankBank Luverne, MN | 70 out of 100, Strong | $242.6M | 11.6% | 0.85% | vs |
| BankwestBank Rockford, MN | 76 out of 100, Strong | $239.9M | 9.5% | 0.08% | vs |
| Cornerstone State BankBank Montgomery, MN | 74 out of 100, Strong | $247.0M | 10.6% | 0.80% | vs |
| Drake BankBank Saint Paul, MN | 18 out of 100, Low | $247.4M | 7.3% | 4.49% | vs |
| United Farmers State BankBank Adams, MN | 75 out of 100, Strong | $233.8M | 10.3% | 0.33% | vs |
Deposit insurance
Is my money safe at Arcadian Bank?
Yes. Arcadian Bank is an FDIC-insured institution (FDIC certificate #10561). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.1% of deposits ($43.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Arcadian Bank lists 3 offices in 3 cities. Most locations:
- Albert Lea, MN (1)
- Freeborn, MN (1)
- Hartland, MN (1)
Identity & history
Profile
- Legal name
- Arcadian Bank
- Former names
- Farmers State Bank of Hartland
- Type
- State-chartered bank
- FDIC certificate #
- 10561
- RSSD ID
- 1007752
- Primary regulator
- FDIC
- Holding company
- Minnesota Cmty Bancshares Inc
- Established
- February 19, 1912
- Headquarters
- 601 Broadway St, Hartland, MN 56042
- Website
- www.arcadian.bank
- Employees
- 37
Quick answers
Arcadian Bank: common questions
Is Arcadian Bank FDIC insured?
Yes. Arcadian Bank is an FDIC-insured institution (FDIC certificate #10561). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Arcadian Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Arcadian Bank ever failed?
There is no failure record for FDIC certificate #10561 in the FDIC failed bank list.
How many branches does Arcadian Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hartland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Trades & Labor Federal Credit UnionCredit union Albert Lea, MN | 85 out of 100, Very strong | $23.0M | 15.3% | 1.04% | vs |
| St. Clair State Bank (Incorporated)Bank Saint Clair, MN | 85 out of 100, Very strong | $134.4M | 11.1% | 0.03% | vs |
| Federated Employees Credit UnionCredit union Owatonna, MN | 82 out of 100, Strong | $66.7M | 13.2% | 0.19% | vs |
| Commerce BankBank Geneva, MN | 78 out of 100, Strong | $220.0M | 13.9% | 0.60% | vs |
| Premier Bank MinnesotaBank Hastings, MN | 77 out of 100, Strong | $691.5M | 10.0% | 0.04% | vs |
| Keen Bank, National AssociationBank Waseca, MN | 76 out of 100, Strong | $201.1M | 8.4% | 0.06% | vs |