Security First Bank of North Dakota
New Salem, ND · Cert 11519 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Oliver Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$293.2MAssets
$232.0MLoans
$246.8MDeposits
$37.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets operating in a single state (rank 542 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.45%
Rank 184 of 746
Net Interest Margin
4.42%
Rank 117 of 746
Efficiency Ratio
61.48%
Rank 307 of 746
Equity / Assets
12.89%
Rank 196 of 746
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.72% | 1.06% | 1.45% | Beats 75% | 184 / 746 | |
| Return on Equity | 11.28% | 6.74% | 10.51% | 13.63% | Beats 58% | 317 / 746 | |
| Net Interest Margin | 4.42% | 3.17% | 3.68% | 4.16% | Beats 84% | 117 / 746 | |
| Efficiency Ratio | 61.48% | 55.74% | 64.58% | 75.47% | Beats 59% | 307 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 27% | 542 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.99% | 11.55% | 13.75% | 17.60% | Beats 42% | 434 / 746 | |
| Total Risk-Based Capital Ratio | 12.99% | 11.71% | 14.33% | 18.43% | Beats 37% | 470 / 746 | |
| Equity / Assets | 12.89% | 8.90% | 10.51% | 13.06% | Beats 74% | 196 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 93.97% | 61.31% | 78.27% | 90.78% | 82nd pctl | 138 / 746 | |
| Loans / Assets | 79.13% | 53.60% | 66.97% | 76.08% | 83rd pctl | 126 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |