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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.93% | 1.03% | 0.78% | 0.94% | +6 bps | |
| Return on Equity | 8.88% | 9.22% | 10.02% | 7.15% | 8.50% | -38 bps | |
| Net Interest Margin | 3.75% | 3.83% | 3.85% | 3.95% | 4.00% | +25 bps | |
| Efficiency Ratio | 69.97% | 68.50% | 66.53% | 76.20% | 70.47% | +50 bps | |
| Non-Interest Burden | 2.53% | 2.53% | 2.46% | 2.94% | 2.73% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.00% | -0.02% | -2.12% | -0.76% | 0.94% | -6 bps | |
| Loan Growth (YoY) | 5.32% | 0.21% | -4.82% | -1.56% | -3.31% | -863 bps | |
| Deposit Growth (YoY) | 2.69% | 3.75% | -2.54% | -0.48% | 2.87% | +19 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.52% | 3.15% | 2.76% | 2.31% | 1.71% | -181 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.14% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 1.02% | 0.92% | 0.92% | 0.96% | -2 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.4x | 0.6x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.91% | 11.26% | 11.57% | 11.49% | 11.48% | +57 bps | |
| Total Risk-Based Capital | 10.91% | 11.26% | 11.57% | 11.49% | 11.48% | +57 bps | |
| Equity / Assets | 10.58% | 10.56% | 11.03% | 10.90% | 11.36% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.17% | 86.98% | 84.75% | 84.48% | 88.51% | -566 bps | |
| Liquid Assets / Assets | 2.54% | 1.74% | 1.79% | 2.21% | 1.74% | -80 bps | |
| CRE / Total Capital | n/a | 108.29% | 108.51% | 110.75% | n/a | n/a | |