Minot, ND · Cert 19123 · Westbrand Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Market Position · Minot, ND · 2026 SOD (annual) · 31.7% share · #1 of 14 inst. · $1.2B of $3.7B
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 | 0.48% | 0.54% | 0.66% | 0.68% | 0.76% | 0.84% | 0.93% | 0.96% | +28 bps | |
| Return on Equity | 4.76% | 5.36% | 6.22% | 6.41% | 7.15% | 7.86% | 8.59% | 8.86% | +245 bps | |
| Net Interest Margin | 2.78% | 2.83% | 3.14% | 3.23% | 3.35% | 3.36% | 3.57% | 3.62% | +39 bps | |
| Efficiency Ratio | 75.57% | 74.33% | 70.87% | 70.60% | 68.53% | 67.98% | 65.01% | 65.18% | -542 bps | |
| Non-Interest Burden | 1.91% | 1.90% | 1.96% | 2.02% | 2.03% | 2.03% | 2.00% | 2.06% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.91% | 0.77% | -0.30% | -0.03% | 1.69% | 3.97% | 5.55% | 6.31% | +634 bps | |
| Loan Growth (YoY) | 6.81% | 1.58% | -0.08% | -0.44% | 1.86% | 3.51% | 6.02% | 6.89% | +733 bps | |
| Deposit Growth (YoY) | 8.88% | -0.11% | -3.67% | -1.76% | -3.39% | 0.00% | 3.74% | 4.28% | +604 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.78% | 1.90% | 1.70% | 1.68% | 1.72% | 1.43% | 1.44% | 1.42% | -26 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.11% | -0.04% | 0.06% | 0.07% | 0.22% | 0.10% | 0.23% | +16 bps | |
| Allowance / Loans | 1.07% | 1.09% | 1.16% | 1.17% | 1.19% | 1.06% | 1.08% | 1.02% | -14 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 0.7x | 0.7x | 0.7x | 0.8x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.10% | 9.43% | 9.47% | 9.47% | 9.54% | 9.65% | 9.61% | +14 bps | |
| Total Risk-Based Capital | 10.99% | 12.26% | 11.31% | 11.39% | 9.47% | 9.54% | 9.65% | 9.61% | -177 bps | |
| Equity / Assets | 10.31% | 10.42% | 10.69% | 10.66% | 10.70% | 10.84% | 10.93% | 10.84% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.08% | 92.34% | 93.60% | 95.32% | 98.14% | 95.58% | 95.66% | 97.70% | +238 bps | |
| Liquid Assets / Assets | 1.36% | 1.38% | 1.17% | 1.64% | 1.10% | 1.72% | 1.16% | 1.54% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 375% | 373% | 378% | n/a | n/a | |