New Salem, ND · Cert 11519 · Oliver Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Bismarck, ND · 2026 SOD (annual) · 3.6% share · #10 of 18 inst. · $0.2B of $6.9B
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 | 0.96% | 1.42% | 1.28% | 1.70% | 1.30% | 1.60% | 1.41% | 1.50% | -20 bps | |
| Return on Equity | 8.13% | 12.15% | 11.05% | 14.37% | 10.70% | 12.94% | 11.35% | 11.91% | -246 bps | |
| Net Interest Margin | 4.36% | 4.39% | 4.26% | 4.68% | 4.75% | 4.64% | 4.43% | 4.53% | -15 bps | |
| Efficiency Ratio | 57.96% | 62.62% | 64.04% | 57.63% | 55.08% | 60.41% | 61.19% | 61.76% | +413 bps | |
| Non-Interest Burden | 2.35% | 2.59% | 2.61% | 2.52% | 2.39% | 2.69% | 2.57% | 2.66% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.03% | 4.46% | 6.30% | 5.93% | 5.22% | 4.97% | 7.04% | 5.55% | -38 bps | |
| Loan Growth (YoY) | 8.09% | 9.14% | 9.46% | 5.26% | 7.43% | 1.32% | -1.34% | -0.09% | -534 bps | |
| Deposit Growth (YoY) | 8.05% | 5.24% | 11.58% | 13.36% | 9.46% | 9.22% | 6.72% | 4.89% | -847 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.94% | 1.99% | 1.94% | 1.78% | 0.99% | 1.00% | 0.00% | -194 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.01% | 3.34% | 0.13% | -0.13% | -13 bps | |
| Allowance / Loans | 2.30% | 2.07% | 2.12% | 2.07% | 2.18% | 1.40% | 1.45% | 1.42% | -65 bps | |
| Allowance Coverage of NPLs | n/a | 1.1x | 1.1x | 1.1x | 1.2x | 1.4x | 1.4x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.40% | 12.01% | 12.23% | 12.28% | 12.59% | 12.89% | 12.99% | 12.99% | +72 bps | |
| Total Risk-Based Capital | 12.40% | 12.01% | 12.23% | 12.28% | 12.59% | 12.89% | 12.99% | 12.99% | +72 bps | |
| Equity / Assets | 11.95% | 11.46% | 11.67% | 12.01% | 12.27% | 12.46% | 12.38% | 12.89% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.54% | 105.42% | 95.78% | 98.65% | 102.60% | 97.80% | 88.54% | 93.97% | -468 bps | |
| Liquid Assets / Assets | 0.11% | 0.10% | 0.10% | 0.13% | 0.14% | 0.10% | 0.08% | 0.09% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 309% | 264% | 239% | n/a | n/a | |