Watford City, ND · Cert 10248 · Watford City Bancshares Inc.
State charter, non-member · FDIC · 28 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
18
Profitability
47
Liquidity
87
Efficiency
18
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.
Watford City, ND · Cert 10248 · Watford City Bancshares Inc.
State charter, non-member · FDIC · 28 branches
Q2 2026
Market Position · Fargo, ND-MN · 2026 SOD (annual) · 11.9% share · #2 of 32 inst. · $1.5B of $12.9B
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 | 1.25% | 1.61% | 1.93% | 1.57% | 1.41% | 1.38% | 1.00% | 0.96% | -61 bps | |
| Return on Equity | 16.57% | 20.90% | 22.93% | 18.64% | 16.71% | 16.40% | 11.87% | 11.40% | -724 bps | |
| Net Interest Margin | 3.54% | 3.63% | 3.82% | 3.81% | 3.77% | 3.75% | 3.77% | 3.83% | +2 bps | |
| Efficiency Ratio | 64.44% | 66.35% | 64.71% | 65.01% | 65.65% | 65.93% | 67.99% | 70.42% | +541 bps | |
| Non-Interest Burden | 1.92% | 2.08% | 2.15% | 2.16% | 2.17% | 2.18% | 2.30% | 2.46% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.01% | 5.45% | 5.51% | 1.78% | 5.57% | 12.98% | 10.47% | 12.36% | +1,058 bps | |
| Loan Growth (YoY) | 5.34% | 2.15% | 1.16% | 2.64% | 4.76% | 7.82% | 9.80% | 9.35% | +671 bps | |
| Deposit Growth (YoY) | 10.64% | 7.46% | 4.95% | -0.65% | 4.50% | 12.32% | 9.74% | 13.67% | +1,432 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.38% | 1.38% | 1.93% | 1.83% | 1.85% | 1.62% | 1.54% | -39 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.12% | 0.00% | 0.01% | 0.06% | 0.04% | 0.35% | 0.20% | +19 bps | |
| Allowance / Loans | 1.01% | 1.03% | 1.06% | 1.05% | 1.05% | 1.09% | 1.05% | 1.04% | -1 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.7x | 0.8x | 0.5x | 0.6x | 0.6x | 0.6x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.51% | 9.17% | 9.64% | 9.31% | 9.17% | 9.29% | 9.32% | 9.06% | -25 bps | |
| Total Risk-Based Capital | 11.37% | 12.28% | 12.80% | 12.06% | 11.92% | 12.05% | 12.16% | 11.71% | -35 bps | |
| Equity / Assets | 7.89% | 8.17% | 8.65% | 8.50% | 8.55% | 8.29% | 8.59% | 8.38% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.84% | 90.31% | 89.68% | 94.94% | 93.07% | 86.69% | 89.72% | 91.33% | -361 bps | |
| Liquid Assets / Assets | 2.18% | 5.00% | 4.97% | 1.48% | 2.97% | 8.65% | 5.76% | 4.30% | +283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 403% | 399% | 390% | n/a | n/a | |
Watford City, ND · Cert 10248 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Watford City Bancshares Inc.
State charter, non-member · FDIC · 28 branches
Q2 2026
Return on Assets
0.95%
Rank 128 of 176
Net Interest Margin
3.83%
Rank 54 of 176
Efficiency Ratio
70.97%
Rank 146 of 176
Equity / Assets
8.38%
Rank 154 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.93% | 1.26% | 1.54% | Beats 27% | 128 / 176 | ||
| Return on Equity | 11.37% | 9.26% | 11.89% | 14.46% | Beats 45% | 96 / 176 | ||
| Net Interest Margin | 3.83% | 3.25% | 3.59% | 3.93% | Beats 69% | 54 / 176 | ||
| Efficiency Ratio | 70.97% | 52.79% | 59.55% | 67.66% | Beats 18% | 146 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.30% | 0.64% | 1.32% | Beats 15% | 150 / 176 | ||
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.04% | 0.10% | Beats 21% | 140 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.68% | 11.15% | 12.72% | 14.15% | Beats 19% | 143 / 176 | ||
| Total Risk-Based Capital Ratio | 11.71% | 11.81% | 13.63% | 15.33% | Beats 23% | 136 / 176 | ||
| Equity / Assets | 8.38% | 9.16% | 10.35% | 11.80% | Beats 13% | 154 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.33% | 80.94% | 89.73% | 97.21% | 56th pctl | 77 / 176 | ||
| Loans / Assets | 80.78% | 69.25% | 75.12% | 80.82% | 74th pctl | 46 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||