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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.33% | 1.35% | 1.62% | 1.58% | +28 bps | |
| Return on Equity | 16.11% | 16.36% | 16.38% | 18.77% | 17.89% | +178 bps | |
| Net Interest Margin | 3.60% | 3.58% | 3.60% | 3.81% | 3.81% | +21 bps | |
| Efficiency Ratio | 51.12% | 50.16% | 51.97% | 46.62% | 47.81% | -330 bps | |
| Non-Interest Burden | 1.78% | 1.73% | 1.76% | 1.71% | 1.74% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.20% | 8.35% | 10.76% | 4.04% | 2.35% | -1,085 bps | |
| Loan Growth (YoY) | 16.74% | 12.37% | 13.91% | 8.33% | 3.44% | -1,331 bps | |
| Deposit Growth (YoY) | 11.47% | 10.94% | 6.16% | 3.16% | 4.44% | -703 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.69% | 1.14% | 1.67% | 1.62% | +103 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.07% | 0.06% | 0.00% | 0.03% | -3 bps | |
| Allowance / Loans | 1.24% | 1.26% | 1.25% | 1.30% | 1.27% | +4 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.8x | 1.1x | 0.8x | 0.8x | -1.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.26% | 9.18% | 9.26% | 9.49% | 9.83% | +58 bps | |
| Total Risk-Based Capital | 9.26% | 9.18% | 9.26% | 9.49% | 9.83% | +58 bps | |
| Equity / Assets | 8.14% | 8.38% | 8.49% | 8.82% | 9.21% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.47% | 96.29% | 97.93% | 89.57% | 94.55% | -92 bps | |
| Liquid Assets / Assets | 0.04% | 0.02% | 0.04% | 0.02% | 0.03% | -1 bps | |
| CRE / Total Capital | n/a | 91.61% | 93.63% | 91.88% | n/a | n/a | |