Strasburg, ND · Cert 17922 · Strasburg Banshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.23% | 1.25% | 1.15% | 1.18% | 1.19% | -5 bps | |
| Return on Equity | 13.83% | 13.98% | 12.79% | 13.58% | 13.58% | -25 bps | |
| Net Interest Margin | 2.85% | 2.96% | 2.99% | 2.85% | 2.83% | -2 bps | |
| Efficiency Ratio | 52.86% | 51.96% | 53.73% | 53.48% | 53.34% | +47 bps | |
| Non-Interest Burden | 1.49% | 1.51% | 1.57% | 1.49% | 1.47% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.56% | 7.47% | 2.09% | 8.26% | 7.18% | +63 bps | |
| Loan Growth (YoY) | 12.64% | 11.63% | 14.05% | 5.28% | -0.87% | -1,351 bps | |
| Deposit Growth (YoY) | 6.57% | 7.98% | 2.01% | 8.69% | 7.63% | +106 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 0.52% | 0.48% | 0.47% | 0.55% | 0.49% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.89% | 8.96% | 9.09% | 8.42% | 8.67% | -22 bps | |
| Total Risk-Based Capital | 14.54% | 13.81% | 13.05% | 13.15% | 14.13% | -41 bps | |
| Equity / Assets | 9.22% | 8.94% | 9.16% | 8.22% | 8.90% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.04% | 53.35% | 59.66% | 45.98% | 47.94% | -411 bps | |
| Liquid Assets / Assets | 25.35% | 26.17% | 26.53% | 23.82% | 24.71% | -64 bps | |
| CRE / Total Capital | n/a | 6.02% | 5.82% | 5.88% | n/a | n/a | |