Williston, ND · Cert 15444 · American STB Holding Co. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.77% | 1.69% | 1.68% | 1.88% | 2.03% | 2.28% | 1.92% | 2.19% | +31 bps | |
| Return on Equity | 22.79% | 21.34% | 22.04% | 24.61% | 25.18% | 25.33% | 20.91% | 24.82% | +21 bps | |
| Net Interest Margin | 2.61% | 2.61% | 2.79% | 2.88% | 2.96% | 3.02% | 3.06% | 3.11% | +23 bps | |
| Efficiency Ratio | 48.22% | 48.22% | 47.33% | 45.85% | 44.31% | 41.56% | 46.19% | 44.29% | -156 bps | |
| Non-Interest Burden | 0.49% | 0.51% | 0.57% | 0.52% | 0.48% | 0.26% | 0.69% | 0.50% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | 1.71% | 3.48% | 6.01% | 2.66% | 2.96% | 2.23% | 0.99% | -502 bps | |
| Loan Growth (YoY) | 3.59% | 4.39% | 4.13% | 3.81% | -1.77% | -3.21% | -5.85% | -4.56% | -837 bps | |
| Deposit Growth (YoY) | -0.99% | 2.50% | 2.79% | 5.28% | 2.00% | 0.77% | 1.68% | 0.03% | -525 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.84% | 2.09% | 2.06% | 2.78% | 1.29% | 1.35% | 1.64% | 2.07% | -71 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.11% | -0.02% | 0.20% | 1.29% | 0.01% | 0.07% | 0.02% | -18 bps | |
| Allowance / Loans | 1.96% | 1.96% | 2.04% | 1.98% | 1.77% | 1.78% | 1.79% | 1.67% | -31 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.9x | 1.0x | 0.7x | 1.4x | 1.3x | 1.1x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.33% | 12.60% | 12.43% | 11.81% | 11.98% | 12.51% | 12.43% | 12.06% | +24 bps | |
| Total Risk-Based Capital | 22.04% | 22.18% | 22.01% | 21.02% | 21.91% | 23.24% | 23.37% | 21.06% | +3 bps | |
| Equity / Assets | 8.33% | 7.47% | 7.79% | 7.45% | 8.65% | 9.31% | 9.08% | 8.52% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.83% | 54.39% | 53.88% | 55.42% | 53.76% | 52.25% | 49.89% | 52.87% | -255 bps | |
| Liquid Assets / Assets | 0.20% | 0.17% | 0.13% | 0.17% | 0.40% | 0.14% | 0.15% | 0.08% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 127.27% | 116.97% | 114.50% | n/a | n/a | |