SYSTEMATIC SAVINGS BANK

SPRINGFIELD, MO · Supervised by FDIC

Est. 1923FDIC #29,143RSSD: FDIC-29143

Part ofARLO FINANCIAL HOLDINGS INC→ View all charters

Satisfactory Same

Current rating · Exam: May 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Website

www.arlo.bank

Address

4109 S National Ave, SPRINGFIELD, MO

County

Greene County

Established

January 1, 1923

Total Assets

$229M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2021

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$229M

Total Deposits

$187M

Net Loans

$167M

Net Income

$577K

ROA

1.08%

ROE

6.09%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$117M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	17	88.24%	0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2017

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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