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 (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 | 1.09% | 1.18% | 1.28% | 1.49% | 1.43% | 1.47% | 1.41% | 1.46% | -3 bps | |
| Return on Equity | 9.27% | 10.04% | 11.05% | 12.74% | 12.04% | 12.30% | 11.35% | 11.63% | -111 bps | |
| Net Interest Margin | 4.16% | 4.16% | 4.26% | 4.42% | 4.54% | 4.54% | 4.43% | 4.42% | -1 bps | |
| Efficiency Ratio | 63.60% | 63.34% | 64.04% | 60.63% | 58.67% | 59.10% | 61.19% | 61.48% | +86 bps | |
| Non-Interest Burden | 2.51% | 2.50% | 2.61% | 2.54% | 2.49% | 2.53% | 2.57% | 2.58% | +4 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 | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.84% | 0.13% | 0.00% | 0 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 | |