Cavalier, ND · Cert 15478 · First Holding Co. Cavalier Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating regionally (n=99). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
80
Profitability
23
Liquidity
82
Efficiency
38
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cavalier, ND · Cert 15478 · First Holding Co. Cavalier Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Grand Forks, ND-MN · 2026 SOD (annual) · 5.3% share · #9 of 21 inst. · $0.2B of $3.9B
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 | 0.75% | 0.79% | 0.83% | 1.12% | 1.07% | 1.05% | 0.68% | 0.86% | -26 bps | |
| Return on Equity | 8.58% | 9.12% | 8.76% | 11.26% | 10.51% | 10.25% | 6.30% | 8.05% | -321 bps | |
| Net Interest Margin | 3.02% | 2.99% | 3.16% | 3.28% | 3.26% | 3.22% | 3.30% | 3.39% | +11 bps | |
| Efficiency Ratio | 64.85% | 64.59% | 64.71% | 62.03% | 62.20% | 62.08% | 68.97% | 65.82% | +379 bps | |
| Non-Interest Burden | 1.91% | 1.89% | 2.01% | 1.97% | 1.97% | 1.94% | 2.25% | 2.20% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.81% | 5.65% | 6.32% | 8.94% | 7.17% | 7.90% | 7.57% | 9.34% | +40 bps | |
| Loan Growth (YoY) | 6.32% | 7.37% | 13.18% | 11.68% | 10.10% | 9.38% | 9.32% | 11.62% | -5 bps | |
| Deposit Growth (YoY) | 5.62% | 5.68% | 4.05% | 4.81% | 1.74% | 0.65% | 6.37% | 8.16% | +336 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.72% | 1.70% | 1.74% | 0.27% | 0.18% | 0.19% | 0.18% | 0.13% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.39% | 1.35% | 1.35% | 1.20% | 1.18% | 1.18% | 1.21% | 1.16% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 4.4x | 6.6x | 6.3x | 6.9x | 8.6x | +4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.93% | 8.84% | 10.70% | 10.85% | 10.80% | 10.69% | 10.60% | 10.50% | -35 bps | |
| Total Risk-Based Capital | 12.87% | 12.86% | 14.99% | 14.97% | 10.80% | 10.69% | 10.60% | 10.50% | -447 bps | |
| Equity / Assets | 8.95% | 8.49% | 10.49% | 10.73% | 10.86% | 10.76% | 10.78% | 10.54% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.62% | 77.57% | 80.22% | 84.85% | 86.16% | 84.29% | 82.44% | 87.56% | +271 bps | |
| Liquid Assets / Assets | 7.15% | 7.71% | 7.09% | 6.78% | 6.32% | 6.81% | 6.45% | 5.94% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 220% | 219% | 231% | n/a | n/a | |
Cavalier, ND · Cert 15478 · Peer group: banks under $1B in assets operating regionally (n=99) · First Holding Co. Cavalier Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
0.84%
Rank 73 of 99
Net Interest Margin
3.39%
Rank 80 of 99
Efficiency Ratio
66.98%
Rank 62 of 99
Equity / Assets
10.54%
Rank 41 of 99
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.82% | 1.19% | 1.48% | Beats 26% | 73 / 99 | ||
| Return on Equity | 7.96% | 7.92% | 11.87% | 14.08% | Beats 25% | 74 / 99 | ||
| Net Interest Margin | 3.39% | 3.44% | 3.80% | 4.18% | Beats 19% | 80 / 99 | ||
| Efficiency Ratio | 66.98% | 55.83% | 62.41% | 73.02% | Beats 38% | 62 / 99 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.19% | 0.46% | 1.04% | Beats 79% | 22 / 99 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | Beats 81% | 20 / 99 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.50% | 10.28% | 11.95% | 14.75% | Beats 28% | 71 / 99 | ||
| Total Risk-Based Capital Ratio | 10.50% | 10.45% | 12.59% | 15.64% | Beats 26% | 73 / 99 | ||
| Equity / Assets | 10.54% | 8.89% | 10.14% | 11.36% | Beats 59% | 41 / 99 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.56% | 74.57% | 84.03% | 94.55% | 63rd pctl | 37 / 99 | ||
| Loans / Assets | 73.22% | 62.55% | 71.25% | 78.99% | 55th pctl | 45 / 99 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||