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Strasburg State Bank

Strasburg, ND · Cert 17922 · Strasburg Banshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$104.2MAssets
$44.8MLoans
$93.4MDeposits
$9.3MEquity
Loan mix
84%RE $14.8M15%C&I $2.6M1%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $79.6M15%Noninterest $13.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.17%, down 13 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.67%, down 22 bps from a year ago.
  • Funding: loans stand at 47.94% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.17%-13 bps YoY

Net Interest Margin (quarter, annualized)

2.83%-13 bps YoY

Efficiency Ratio (quarter, annualized)

53.20%+44 bps YoY

Tier 1 Leverage Ratio

8.67%-22 bps YoY

NIM

4.84%Q2 ’244.84%Q2 ’254.59%Q2 ’26+3%-4%

Non-interest income vs. expense

1.60%Q2 ’241.55%Q2 ’251.56%Q2 ’26+3%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%0.51%1.16%1.30%1.29%0.85%1.18%1.17%-13 bps
Return on Equity14.43%5.60%13.18%14.59%14.19%9.36%13.58%13.69%-89 bps
Net Interest Margin2.94%2.88%2.81%2.96%3.12%3.13%2.85%2.83%-13 bps
Efficiency Ratio52.86%63.12%52.97%52.76%50.31%58.62%53.48%53.20%+44 bps
Non-Interest Burden1.51%1.78%1.46%1.56%1.52%1.79%1.49%1.46%-10 bps
Growth
Asset Growth (YoY)2.50%5.30%10.01%6.56%7.47%2.09%8.26%7.18%+63 bps
Loan Growth (YoY)22.32%20.07%22.55%12.64%11.63%14.05%5.28%-0.87%-1,351 bps
Deposit Growth (YoY)2.08%7.07%12.62%6.57%7.98%2.01%8.69%7.63%+106 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.00%0 bps
Allowance / Loans0.73%0.67%0.63%0.52%0.48%0.47%0.55%0.49%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.36%9.06%8.78%8.89%8.96%9.09%8.42%8.67%-22 bps
Total Risk-Based Capital15.89%14.41%14.22%14.54%13.81%13.05%13.15%14.13%-41 bps
Equity / Assets9.33%8.99%8.58%9.22%8.94%9.16%8.22%8.90%-32 bps
Liquidity & Funding
Loans / Deposits51.60%53.37%47.47%52.04%53.35%59.66%45.98%47.94%-411 bps
Liquid Assets / Assets24.73%24.22%24.59%25.35%26.17%26.53%23.82%24.71%-64 bps
CRE / Total Capitaln/an/an/an/a6.02%5.82%5.88%n/an/a