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Goose River Bank, The

Mayville, ND · Cert 10236 · Goose River Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$173.4MAssets
$130.4MLoans
$147.3MDeposits
$19.7MEquity
Loan mix
71%RE $63.2M25%C&I $22.7M4%Consumer $3.6MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $111.6M24%Noninterest $35.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.10%, unchanged from a year ago; NIM at 4.08%.
  • Asset quality: problem loans at 1.71% of loans (-181 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.48%, up 57 bps from a year ago.
  • Funding: loans stand at 88.51% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.10%0 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+27 bps YoY

Efficiency Ratio (quarter, annualized)

64.98%+107 bps YoY

Tier 1 Leverage Ratio

11.48%+57 bps YoY

NIM

5.45%Q2 ’245.42%Q2 ’255.44%Q2 ’26-2%+7%

Non-interest income vs. expense

2.80%Q2 ’242.62%Q2 ’252.86%Q2 ’26-8%+9%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.06%0.67%1.10%1.05%1.31%0.78%1.10%0 bps
Return on Equity10.24%11.15%6.93%10.79%9.93%12.18%7.15%9.87%-92 bps
Net Interest Margin3.54%3.43%3.70%3.81%3.90%4.03%3.95%4.08%+27 bps
Efficiency Ratio68.54%61.71%76.16%63.91%65.62%60.99%76.20%64.98%+107 bps
Non-Interest Burden2.32%2.01%2.74%2.33%2.47%2.34%2.94%2.54%+21 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 / Loans0.36%1.32%3.30%3.52%3.15%2.76%2.31%1.71%-181 bps
Net Charge-Offs / Loans0.20%0.01%0.00%0.01%0.00%0.54%0.00%0.00%-1 bps
Allowance / Loans0.91%0.93%0.98%0.98%1.02%0.92%0.92%0.96%-2 bps
Allowance Coverage of NPLs2.5x0.7x0.3x0.3x0.3x0.3x0.4x0.6x+0.3x
Capital
Tier 1 Leverage Ratio10.28%10.17%10.74%10.91%11.26%11.57%11.49%11.48%+57 bps
Total Risk-Based Capital10.28%10.17%10.74%10.91%11.26%11.57%11.49%11.48%+57 bps
Equity / Assets9.51%9.49%9.79%10.58%10.56%11.03%10.90%11.36%+79 bps
Liquidity & Funding
Loans / Deposits90.05%86.79%85.41%94.17%86.98%84.75%84.48%88.51%-566 bps
Liquid Assets / Assets2.21%2.17%2.81%2.54%1.74%1.79%2.21%1.74%-80 bps
CRE / Total Capitaln/an/an/an/a108.29%108.51%110.75%n/an/a