Hunter, ND · Cert 16231 · Hunter Holding Co.
State charter, non-member · FDIC · 11 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=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
34
Profitability
77
Liquidity
46
Efficiency
91
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.
Hunter, ND · Cert 16231 · Hunter Holding Co.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Fargo, ND-MN · 2026 SOD (annual) · 0.3% share · #24 of 32 inst. · $0.0B of $12.9B
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 | 1.22% | 1.17% | 1.12% | 1.30% | 1.33% | 1.35% | 1.62% | 1.58% | +28 bps | |
| Return on Equity | 14.49% | 14.08% | 13.98% | 16.11% | 16.36% | 16.38% | 18.77% | 17.89% | +178 bps | |
| Net Interest Margin | 3.46% | 3.38% | 3.61% | 3.60% | 3.58% | 3.60% | 3.81% | 3.81% | +21 bps | |
| Efficiency Ratio | 54.20% | 55.72% | 52.09% | 51.12% | 50.16% | 51.97% | 46.62% | 47.81% | -330 bps | |
| Non-Interest Burden | 1.83% | 1.80% | 1.84% | 1.78% | 1.73% | 1.76% | 1.71% | 1.74% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.33% | 6.52% | 14.07% | 13.20% | 8.35% | 10.76% | 4.04% | 2.35% | -1,085 bps | |
| Loan Growth (YoY) | 15.48% | 11.68% | 14.21% | 16.74% | 12.37% | 13.91% | 8.33% | 3.44% | -1,331 bps | |
| Deposit Growth (YoY) | 14.07% | 13.50% | 14.79% | 11.47% | 10.94% | 6.16% | 3.16% | 4.44% | -703 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.46% | 0.54% | 0.60% | 0.69% | 1.14% | 1.67% | 1.62% | +103 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | -0.02% | 0.06% | 0.07% | 0.06% | 0.00% | 0.03% | -3 bps | |
| Allowance / Loans | 1.19% | 1.26% | 1.35% | 1.24% | 1.26% | 1.25% | 1.30% | 1.27% | +4 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.7x | 2.5x | 2.1x | 1.8x | 1.1x | 0.8x | 0.8x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 9.16% | 9.31% | 9.26% | 9.18% | 9.26% | 9.49% | 9.83% | +58 bps | |
| Total Risk-Based Capital | 9.24% | 9.16% | 9.31% | 9.26% | 9.18% | 9.26% | 9.49% | 9.83% | +58 bps | |
| Equity / Assets | 8.31% | 8.10% | 7.94% | 8.14% | 8.38% | 8.49% | 8.82% | 9.21% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.07% | 91.26% | 85.29% | 95.47% | 96.29% | 97.93% | 89.57% | 94.55% | -92 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.04% | 0.02% | 0.04% | 0.02% | 0.03% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 91.61% | 93.63% | 91.88% | n/a | n/a | |
Hunter, ND · Cert 16231 · Peer group: banks under $1B in assets operating regionally (n=94) · Hunter Holding Co.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
1.59%
Rank 12 of 94
Net Interest Margin
3.81%
Rank 47 of 94
Efficiency Ratio
47.81%
Rank 9 of 94
Equity / Assets
9.21%
Rank 68 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | 0.82% | 1.19% | 1.46% | Beats 87% | 12 / 94 | ||
| Return on Equity | 17.29% | 7.85% | 11.84% | 14.03% | Beats 95% | 5 / 94 | ||
| Net Interest Margin | 3.81% | 3.42% | 3.81% | 4.18% | Beats 50% | 47 / 94 | ||
| Efficiency Ratio | 47.81% | 55.99% | 62.41% | 73.02% | Beats 91% | 9 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.62% | 0.19% | 0.47% | 1.14% | Beats 14% | 82 / 94 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 53% | 45 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.83% | 10.28% | 11.95% | 15.07% | Beats 16% | 79 / 94 | ||
| Total Risk-Based Capital Ratio | 9.83% | 10.31% | 12.59% | 15.88% | Beats 14% | 81 / 94 | ||
| Equity / Assets | 9.21% | 8.98% | 10.21% | 11.41% | Beats 28% | 68 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.55% | 72.62% | 84.44% | 94.55% | 74th pctl | 24 / 94 | ||
| Loans / Assets | 83.23% | 62.50% | 72.84% | 78.99% | 83rd pctl | 16 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||