Arbor Bank

911 Central Avenue
Nebraska City, NE 68410

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.40% 2.20% →
2-Year CD 0.70% 2.65% →
5-Year CD 1.51% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Arbor Bank is an FDIC insured institution located in Nebraska City, NE. It was founded in 1991 and has approximately $0.35 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 33450
Date Established 1991
Assets $0.35 billion
Loans $0.31 billion
Deposits $0.30 billion
Capital $0.03 billion

For a more detailed analysis of Arbor Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 19, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $49,999 Learn MoreShow Less
3 Mo CD
0.25% $2,500 - Learn MoreShow Less
6 Mo CD
0.30% $2,500 - Learn MoreShow Less
12 Mo CD
0.40% $2,500 - Learn MoreShow Less
18 Mo CD
0.60% $2,500 - Learn MoreShow Less
24 Mo CD
0.70% $2,500 - Learn MoreShow Less
30 Mo CD
0.85% $2,500 - Learn MoreShow Less
36 Mo CD
0.90% $2,500 - Learn MoreShow Less
48 Mo CD
1.21% $2,500 - Learn MoreShow Less
60 Mo CD
1.51% $2,500 - Learn MoreShow Less

Fixed IRA
0.40% $2,500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.80% $1 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $100 $25,000 Learn MoreShow Less

Loan Rates - February 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Arbor Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: MC-3098
3.375% 3.375% 0.00 ($80) $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Arbor Bank
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Arbor Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Arbor Bank Locations

Financial Details

Arbor Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Arbor Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Arbor Bank U.S. Bank Average
2.59% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Arbor Bank had $707,000 in non-current loans and $135,000 in owned real estate. To cover these potential losses it had $29,577,000 in equity and $2,884,000 in loans loss reserves. That gives it a Texas Ratio of 2.59%.

Return on Equity
Arbor Bank U.S. Bank Average
14.69% 9.72%

Arbor Bank has a Return on Equity of 14.69% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Arbor Bank U.S. Bank Average
8.4% 12.89%

Arbor Bank has a Capitalization of 8.4% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Arbor Bank Balance Sheet Analysis

As of September 30, 2019, Arbor Bank had assets of $352,161,000, loans of $305,046,000, and deposits of $300,240,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.31 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.32 billion
Total deposits $0.30 billion
      Interest-bearing deposits $0.25 billion
      Deposits held in domestic offices $0.30 billion
      % insured (estimated) 81.33%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.32 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Arbor Bank’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Farm Loans.

Compared to other banks, Arbor Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.65
Credit Card Loans 0.00
Consumer Auto Loans 0.66
Small Business Loans 0.00
Construction and Development Loans 2.77
Commercial Real Estate 18.47
Commercial and Industrial Loans 19.36
Farm Loans 18.53

Frequently Asked Questions About Arbor Bank

Branches and Savings

Is Arbor Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33450.

Why does Arbor Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Arbor Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Arbor Bank a commercial bank?


Where are Arbor Bank locations?

See branch locations nearby.

Is Arbor Bank open on Saturdays?

Is Arbor Bank open on Sundays?

What time does Arbor Bank open?

What time does Arbor Bank close?

Are Arbor Bank ATMs Open 24/7?

Do Arbor Bank ATMs accept cash deposits?

Can Arbor Bank customers use other ATMs?

Do Arbor Bank branches have notaries?

Will Arbor Bank notarize my document?

What address for Arbor Bank should I put for incoming ACH transfers?

Will the Arbor Bank branch print checks?

Do Arbor Bank checks expire?

Does Arbor Bank require US citizenship to open account?

Can Arbor Bank close my account?

Does Arbor Bank Report to credit bureaus?

Does Arbor Bank Use Equifax?

What is Arbor Bank's ACH Routing Number?

What is Arbor Bank's SWIFT code?


Does Arbor Bank offer mortgages?

Compare mortgage rates here.

Does Arbor Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Arbor Bank offer personal loans?

Compare personal loan rates here.

Does Arbor Bank offer student loans?

Will Arbor Bank cash a check?

Will Arbor Bank redeem a savings bond?

Does Arbor Bank cash savings bonds?

Will Arbor Bank cash money orders?

Can Arbor Bank issue a money order?

Does Arbor Bank do currency exchange?

Background on The Bank

Who owns Arbor Bank?

How long has Arbor Bank been around?

Can Arbor Bank transfer to other banks?

Does Arbor Bank have quick pay?

Does Arbor Bank accept rolled coins?

Will Arbor Bank accept loose change?

Where is Arbor Bank headquarters?

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