Headquartered in Springfield, Missouri, Arlo Bank is a state-chartered bank with $269.1M in total assets and $226.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1923.
Arlo Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 62nd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (46/100, 83% loans-to-deposits, 43% 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
From Q2 2025 to Q2 2026, the score rose 24 points (53 → 77), mostly because the loan quality component improved by 89 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 69 |
| Q4 2024 | 58 |
| Q1 2025 | 68 |
| Q2 2025 | 53 |
| Q3 2025 | 61 |
| Q4 2025 | 66 |
| Q1 2026 | 80 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.72% |
| Q3 2024 | 15.14% |
| Q4 2024 | 23.79% |
| Q1 2025 | 25.85% |
| Q2 2025 | 21.89% |
| Q3 2025 | 19.23% |
| Q4 2025 | 17.52% |
| Q1 2026 | 15.04% |
| Q2 2026 | 13.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.06% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.17% |
| Q2 2025 | 2.68% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.35% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.21% |
| Q3 2024 | -1.14% |
| Q4 2024 | -0.72% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.38% |
| Q1 2026 | 1.08% |
| Q2 2026 | 0.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $269.1M | 13.53% | 0.00% | 0.79% | 83.1% |
| Q1 2026 | 80 | $228.7M | 15.04% | 0.47% | 1.08% | 89.7% |
| Q4 2025 | 66 | $199.3M | 17.52% | 1.35% | 0.38% | 92.3% |
| Q3 2025 | 61 | $173.1M | 19.23% | 1.60% | 0.12% | 94.4% |
| Q2 2025 | 53 | $157.5M | 21.89% | 2.68% | 0.19% | 86.2% |
| Q1 2025 | 68 | $136.0M | 25.85% | 1.17% | 0.30% | 91.0% |
| Q4 2024 | 58 | $119.1M | 23.79% | 1.55% | -0.72% | 88.1% |
| Q3 2024 | 69 | $67.4M | 15.14% | 0.06% | -1.14% | 103.7% |
| Q2 2024 | 71 | $68.8M | 15.72% | 0.08% | -0.21% | 107.3% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lamar Bank and Trust CompanyBank Lamar, MO | 79 out of 100, Strong | $269.0M | 10.2% | 0.05% | vs |
| Ozarks Federal Savings and Loan AssociationBank Farmington, MO | 76 out of 100, Strong | $277.2M | 15.1% | 0.95% | vs |
| Community Point BankBank Russellville, MO | 71 out of 100, Strong | $259.7M | 8.2% | 0.07% | vs |
| Community First BankBank Butler, MO | 67 out of 100, Moderate | $258.9M | 8.6% | 0.95% | vs |
| Alliant BankBank Madison, MO | 70 out of 100, Strong | $256.4M | 9.0% | 0.00% | vs |
| Commercial BankBank Saint Louis, MO | 51 out of 100, Below average | $282.9M | 7.9% | 1.00% | vs |
Deposit insurance
Is my money safe at Arlo Bank?
Yes. Arlo Bank is an FDIC-insured institution (FDIC certificate #29143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.2% of deposits ($97.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.53%, 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%).
1 location
Branches
Arlo Bank lists 1 office in 1 city. Most locations:
- Springfield, MO (1)
Identity & history
Profile
- Legal name
- Arlo Bank
- Former names
- Systematic Savings Bank; Systematic Savings and Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 29143
- RSSD ID
- 717670
- Primary regulator
- FDIC
- Holding company
- Arlo Financial Holdings Inc
- Established
- January 1, 1923
- Headquarters
- 4109 S National Ave, Springfield, MO 65807
- Website
- www.arlo.bank
- Employees
- 24
Quick answers
Arlo Bank: common questions
Is Arlo Bank FDIC insured?
Yes. Arlo Bank is an FDIC-insured institution (FDIC certificate #29143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Arlo Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Arlo Bank ever failed?
There is no failure record for FDIC certificate #29143 in the FDIC failed bank list.
How many branches does Arlo Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Springfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Foundation Credit UnionCredit union Springfield, MO | 79 out of 100, Strong | $76.6M | 14.3% | 0.33% | vs |
| Multi-States Credit UnionCredit union Springfield, MO | 78 out of 100, Strong | $90.9M | 12.5% | 0.36% | vs |
| Telcomm Credit UnionCredit union Springfield, MO | 77 out of 100, Strong | $337.9M | 13.2% | 0.25% | vs |