Mayville, ND · Cert 10236 · Goose River Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
44
Profitability
49
Liquidity
53
Efficiency
36
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mayville, ND · Cert 10236 · Goose River Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.09% | 0.67% | 0.88% | 0.93% | 1.03% | 0.78% | 0.94% | +6 bps | |
| Return on Equity | 11.79% | 11.66% | 6.93% | 8.88% | 9.22% | 10.02% | 7.15% | 8.50% | -38 bps | |
| Net Interest Margin | 3.70% | 3.52% | 3.70% | 3.75% | 3.83% | 3.85% | 3.95% | 4.00% | +25 bps | |
| Efficiency Ratio | 65.95% | 64.92% | 76.16% | 69.97% | 68.50% | 66.53% | 76.20% | 70.47% | +50 bps | |
| Non-Interest Burden | 2.33% | 2.18% | 2.74% | 2.53% | 2.53% | 2.46% | 2.94% | 2.73% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.78% | 5.20% | 6.11% | 1.00% | -0.02% | -2.12% | -0.76% | 0.94% | -6 bps | |
| Loan Growth (YoY) | 12.52% | 16.18% | 8.49% | 5.32% | 0.21% | -4.82% | -1.56% | -3.31% | -863 bps | |
| Deposit Growth (YoY) | 5.37% | 12.91% | 3.69% | 2.69% | 3.75% | -2.54% | -0.48% | 2.87% | +19 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 1.32% | 3.30% | 3.52% | 3.15% | 2.76% | 2.31% | 1.71% | -181 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.00% | 0.00% | 0.00% | 0.14% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.91% | 0.93% | 0.98% | 0.98% | 1.02% | 0.92% | 0.92% | 0.96% | -2 bps | |
| Allowance Coverage of NPLs | 2.5x | 0.7x | 0.3x | 0.3x | 0.3x | 0.3x | 0.4x | 0.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.17% | 10.74% | 10.91% | 11.26% | 11.57% | 11.49% | 11.48% | +57 bps | |
| Total Risk-Based Capital | 10.28% | 10.17% | 10.74% | 10.91% | 11.26% | 11.57% | 11.49% | 11.48% | +57 bps | |
| Equity / Assets | 9.51% | 9.49% | 9.79% | 10.58% | 10.56% | 11.03% | 10.90% | 11.36% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.05% | 86.79% | 85.41% | 94.17% | 86.98% | 84.75% | 84.48% | 88.51% | -566 bps | |
| Liquid Assets / Assets | 2.21% | 2.17% | 2.81% | 2.54% | 1.74% | 1.79% | 2.21% | 1.74% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.29% | 108.51% | 110.75% | n/a | n/a | |
Mayville, ND · Cert 10236 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Goose River Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.96%
Rank 425 of 746
Net Interest Margin
4.00%
Rank 246 of 746
Efficiency Ratio
70.47%
Rank 478 of 746
Equity / Assets
11.36%
Rank 293 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.72% | 1.06% | 1.45% | Beats 43% | 425 / 746 | ||
| Return on Equity | 8.47% | 6.74% | 10.51% | 13.63% | Beats 37% | 468 / 746 | ||
| Net Interest Margin | 4.00% | 3.17% | 3.68% | 4.16% | Beats 67% | 246 / 746 | ||
| Efficiency Ratio | 70.47% | 55.74% | 64.58% | 75.47% | Beats 36% | 478 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.71% | 0.09% | 0.42% | 1.07% | Beats 15% | 631 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 201 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.48% | 11.55% | 13.75% | 17.60% | Beats 24% | 566 / 746 | ||
| Total Risk-Based Capital Ratio | 11.48% | 11.71% | 14.33% | 18.43% | Beats 22% | 580 / 746 | ||
| Equity / Assets | 11.36% | 8.90% | 10.51% | 13.06% | Beats 61% | 293 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.51% | 61.31% | 78.27% | 90.78% | 71st pctl | 220 / 746 | ||
| Loans / Assets | 75.17% | 53.60% | 66.97% | 76.08% | 72nd pctl | 211 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||