Call reports 2025
ARLO BANK — 2025
What ARLO BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 135,970,000 | 157,462,000 | 173,135,000 | 199,336,000 |
| Total loans | 86,466,000 | 102,204,000 | 126,038,000 | 148,026,000 |
| Allowance for loan losses | 1,353,000 | 1,490,000 | 1,643,000 | 1,909,000 |
| Securities available for sale | 5,942,000 | 4,144,000 | 6,594,000 | 5,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,535,000 | 116,869,000 | 131,820,000 | 158,293,000 |
| Interest-bearing deposits | 89,017,000 | 111,813,000 | 124,952,000 | 152,151,000 |
| Noninterest-bearing deposits | 4,518,000 | 5,056,000 | 6,868,000 | 6,142,000 |
| Equity capital | 37,181,000 | 37,242,000 | 37,145,000 | 37,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,218,000 | 4,543,000 | 7,159,000 | 9,972,000 |
| Interest expense | 935,000 | 2,068,000 | 3,388,000 | 4,800,000 |
| Net interest income | 1,283,000 | 2,475,000 | 3,771,000 | 5,172,000 |
| Noninterest income | 25,000 | 101,000 | 269,000 | 415,000 |
| Noninterest expense | 992,000 | 2,099,000 | 3,367,000 | 4,141,000 |
| Provision for loan losses | 51,000 | 188,000 | 389,000 | 655,000 |
| Pretax income | 106,000 | 142,000 | 161,000 | 766,000 |
| Income tax | 9,000 | 11,000 | 26,000 | 172,000 |
| Net income | 97,000 | 131,000 | 135,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,866,000 | 30,928,000 | 30,932,000 | 31,531,000 |