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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.75% | 0.70% | 1.31% | 1.21% | 1.16% | 1.11% | 1.35% | +4 bps | |
| Return on Equity | 9.14% | 8.65% | 8.06% | 15.20% | 14.08% | 12.97% | 12.66% | 15.68% | +47 bps | |
| Net Interest Margin | 3.39% | 3.48% | 3.45% | 3.78% | 3.70% | 3.66% | 3.61% | 3.75% | -4 bps | |
| Efficiency Ratio | 67.76% | 68.30% | 74.46% | 59.92% | 59.76% | 61.40% | 59.23% | 54.59% | -533 bps | |
| Non-Interest Burden | 2.27% | 2.33% | 2.54% | 2.12% | 2.16% | 2.20% | 2.10% | 1.99% | -14 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 | 0.00% | -0.11% | 1.31% | -1.13% | 0.08% | -0.10% | 0.00% | 0.01% | +114 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 | |