Kenmare, ND · Cert 2057 · Jorgenson Holding Co.
State charter, non-member · FDIC · 3 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 in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
62
Profitability
36
Liquidity
0
Efficiency
70
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.
Kenmare, ND · Cert 2057 · Jorgenson Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (6 in holding)
Q2 2026
Market Position · Minot, ND · 2026 SOD (annual) · 4.9% share · #8 of 14 inst. · $0.2B 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 | 0.56% | 0.35% | 0.55% | 0.62% | 0.64% | 0.54% | 0.75% | 0.90% | +28 bps | |
| Return on Equity | 9.95% | 6.19% | 10.27% | 11.08% | 10.73% | 8.74% | 10.89% | 12.74% | +166 bps | |
| Net Interest Margin | 2.20% | 2.15% | 2.32% | 2.42% | 2.48% | 2.45% | 2.50% | 2.53% | +11 bps | |
| Efficiency Ratio | 78.18% | 85.94% | 69.14% | 66.71% | 65.62% | 70.60% | 60.52% | 56.07% | -1,065 bps | |
| Non-Interest Burden | 1.75% | 1.88% | 1.62% | 1.64% | 1.65% | 1.75% | 1.52% | 1.41% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.61% | 9.56% | 5.60% | 5.33% | 8.66% | 8.92% | 7.30% | 10.61% | +529 bps | |
| Loan Growth (YoY) | 6.67% | 6.73% | 13.29% | 13.05% | 7.59% | 5.87% | -0.99% | -6.52% | -1,957 bps | |
| Deposit Growth (YoY) | 12.70% | 11.17% | 6.56% | 5.04% | 9.36% | 7.31% | 5.94% | 9.56% | +452 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 1.10% | +110 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.08% | -0.04% | -0.02% | -0.01% | -0.08% | -0.04% | 0 bps | |
| Allowance / Loans | 0.93% | 1.03% | 1.01% | 0.96% | 0.99% | 1.04% | 1.10% | 1.11% | +14 bps | |
| Allowance Coverage of NPLs | 2.1x | n/a | n/a | n/a | n/a | 35.3x | 46.7x | 1.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.16% | 8.92% | 9.14% | 9.28% | 9.16% | 9.05% | 9.25% | +10 bps | |
| Total Risk-Based Capital | 16.38% | 15.70% | 16.22% | 15.87% | 15.84% | 16.88% | 17.18% | 17.78% | +192 bps | |
| Equity / Assets | 6.40% | 5.34% | 5.39% | 6.14% | 6.92% | 7.11% | 6.76% | 7.31% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.40% | 51.20% | 50.30% | 54.25% | 53.52% | 50.51% | 47.02% | 46.29% | -796 bps | |
| Liquid Assets / Assets | 0.36% | 0.34% | 0.33% | 0.36% | 0.07% | 0.05% | 0.06% | 0.07% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 104.73% | 99.69% | 98.13% | n/a | n/a | |
Kenmare, ND · Cert 2057 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Jorgenson Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (6 in holding)
Q2 2026
Return on Assets
0.88%
Rank 472 of 746
Net Interest Margin
2.53%
Rank 692 of 746
Efficiency Ratio
57.47%
Rank 226 of 746
Equity / Assets
7.31%
Rank 684 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.72% | 1.06% | 1.45% | Beats 37% | 472 / 746 | ||
| Return on Equity | 12.03% | 6.74% | 10.51% | 13.63% | Beats 63% | 274 / 746 | ||
| Net Interest Margin | 2.53% | 3.17% | 3.68% | 4.16% | Beats 7% | 692 / 746 | ||
| Efficiency Ratio | 57.47% | 55.74% | 64.58% | 75.47% | Beats 70% | 226 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.10% | 0.09% | 0.42% | 1.07% | Beats 24% | 563 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.93% | 11.55% | 13.75% | 17.60% | Beats 72% | 212 / 746 | ||
| Total Risk-Based Capital Ratio | 17.78% | 11.71% | 14.33% | 18.43% | Beats 72% | 207 / 746 | ||
| Equity / Assets | 7.31% | 8.90% | 10.51% | 13.06% | Beats 8% | 684 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.29% | 61.31% | 78.27% | 90.78% | 10th pctl | 672 / 746 | ||
| Loans / Assets | 42.08% | 53.60% | 66.97% | 76.08% | 12th pctl | 659 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||