Velva, ND · Cert 10250 · Beall Bancshares Inc.
State charter, non-member · FDIC · 2 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
33
Asset Quality
66
Profitability
60
Liquidity
79
Efficiency
72
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.
Velva, ND · Cert 10250 · Beall Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minot, ND · 2026 SOD (annual) · 5.0% share · #7 of 14 inst. · $0.2B of $3.7B
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 | 0.71% | 0.72% | 0.70% | 1.01% | 1.08% | 1.11% | 1.11% | 1.24% | +23 bps | |
| Return on Equity | 7.75% | 8.02% | 8.06% | 11.77% | 12.48% | 12.65% | 12.66% | 14.11% | +235 bps | |
| Net Interest Margin | 3.14% | 3.15% | 3.45% | 3.53% | 3.43% | 3.42% | 3.61% | 3.59% | +6 bps | |
| Efficiency Ratio | 70.27% | 69.72% | 74.46% | 66.44% | 64.08% | 63.37% | 59.23% | 56.80% | -964 bps | |
| Non-Interest Burden | 2.17% | 2.16% | 2.54% | 2.26% | 2.13% | 2.10% | 2.10% | 1.99% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.33% | 7.88% | 13.46% | 14.05% | 16.74% | 16.96% | 23.55% | 20.03% | +598 bps | |
| Loan Growth (YoY) | 6.41% | 6.66% | 9.31% | 17.83% | 22.12% | 23.70% | 19.48% | 17.58% | -26 bps | |
| Deposit Growth (YoY) | 8.43% | 7.71% | 15.50% | 12.00% | 17.09% | 16.13% | 26.55% | 22.09% | +1,009 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.94% | 0.94% | 0.63% | 0.45% | 0.60% | 0.21% | 0.21% | 0.10% | -34 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.05% | 1.31% | 0.01% | 0.03% | 0.00% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.52% | 1.64% | 1.30% | 1.42% | 1.30% | 1.33% | 1.38% | 1.24% | -18 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 2.1x | 3.2x | 2.2x | 6.3x | 6.5x | 12.0x | +8.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.29% | 10.06% | 9.86% | 9.56% | 9.58% | 9.47% | 9.31% | -55 bps | |
| Total Risk-Based Capital | 13.97% | 14.34% | 15.09% | 14.17% | 13.63% | 14.02% | 13.99% | 13.51% | -67 bps | |
| Equity / Assets | 8.82% | 8.46% | 8.84% | 8.41% | 8.74% | 9.16% | 8.44% | 8.83% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.24% | 78.87% | 76.45% | 85.95% | 84.73% | 84.01% | 72.18% | 82.78% | -318 bps | |
| Liquid Assets / Assets | 0.27% | 0.25% | 0.24% | 0.31% | 0.34% | 0.33% | 0.25% | 0.25% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 172.26% | 177.33% | 168.72% | n/a | n/a | |
Velva, ND · Cert 10250 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Beall Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.19%
Rank 301 of 746
Net Interest Margin
3.59%
Rank 405 of 746
Efficiency Ratio
56.80%
Rank 211 of 746
Equity / Assets
8.83%
Rank 572 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.72% | 1.06% | 1.45% | Beats 60% | 301 / 746 | ||
| Return on Equity | 13.52% | 6.74% | 10.51% | 13.63% | Beats 74% | 196 / 746 | ||
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 46% | 405 / 746 | ||
| Efficiency Ratio | 56.80% | 55.74% | 64.58% | 75.47% | Beats 72% | 211 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.42% | 1.07% | Beats 74% | 192 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 58% | 312 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.27% | 11.55% | 13.75% | 17.60% | Beats 35% | 488 / 746 | ||
| Total Risk-Based Capital Ratio | 13.51% | 11.71% | 14.33% | 18.43% | Beats 42% | 433 / 746 | ||
| Equity / Assets | 8.83% | 8.90% | 10.51% | 13.06% | Beats 23% | 572 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.78% | 61.31% | 78.27% | 90.78% | 59th pctl | 303 / 746 | ||
| Loans / Assets | 72.69% | 53.60% | 66.97% | 76.08% | 65th pctl | 262 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||