Fargo, ND · Cert 20776 · Border Bancshares Inc.
State charter, non-member · FDIC · 11 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
33
Profitability
45
Liquidity
39
Efficiency
40
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.
Fargo, ND · Cert 20776 · Border Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Fargo, ND-MN · 2026 SOD (annual) · 1.7% share · #12 of 32 inst. · $0.2B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.24% | 0.42% | 0.54% | 0.61% | 0.76% | 0.89% | 1.03% | +49 bps | |
| Return on Equity | 4.28% | 2.84% | 4.95% | 6.38% | 7.19% | 8.86% | 10.07% | 11.55% | +517 bps | |
| Net Interest Margin | 2.81% | 2.80% | 3.10% | 3.27% | 3.33% | 3.34% | 3.56% | 3.73% | +47 bps | |
| Efficiency Ratio | 81.27% | 85.43% | 79.62% | 75.44% | 73.71% | 70.66% | 65.03% | 63.05% | -1,239 bps | |
| Non-Interest Burden | 2.20% | 2.33% | 2.39% | 2.34% | 2.31% | 2.19% | 2.16% | 2.16% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.72% | 4.21% | 3.81% | 5.94% | 6.64% | 8.82% | 6.83% | 4.97% | -97 bps | |
| Loan Growth (YoY) | 2.55% | 2.07% | 3.16% | 6.26% | 10.27% | 12.68% | 9.93% | 5.66% | -60 bps | |
| Deposit Growth (YoY) | 5.32% | 4.16% | 3.15% | 5.29% | 4.22% | 5.36% | 3.73% | 3.31% | -199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 1.59% | 1.48% | 1.35% | 2.18% | 2.00% | 2.06% | 1.07% | -28 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.05% | 0.06% | 0.04% | 0.02% | 0.18% | 0.11% | +5 bps | |
| Allowance / Loans | 1.24% | 1.27% | 1.27% | 1.30% | 1.34% | 1.37% | 1.39% | 1.47% | +17 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 0.9x | 1.0x | 0.6x | 0.7x | 0.7x | 1.4x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.96% | 8.72% | 8.83% | 8.82% | 8.82% | 8.85% | 8.93% | 9.07% | +25 bps | |
| Total Risk-Based Capital | 11.68% | 11.66% | 11.56% | 11.37% | 11.18% | 11.25% | 11.48% | 11.79% | +42 bps | |
| Equity / Assets | 8.73% | 8.40% | 8.48% | 8.51% | 8.62% | 8.74% | 8.84% | 9.06% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.98% | 92.43% | 93.35% | 95.54% | 98.37% | 98.85% | 98.94% | 97.71% | +218 bps | |
| Liquid Assets / Assets | 1.75% | 2.56% | 2.04% | 0.47% | 0.08% | 0.25% | 0.36% | 0.48% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 402% | 402% | 403% | n/a | n/a | |
Fargo, ND · Cert 20776 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Border Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
1.03%
Rank 122 of 176
Net Interest Margin
3.73%
Rank 70 of 176
Efficiency Ratio
63.58%
Rank 107 of 176
Equity / Assets
9.06%
Rank 138 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.93% | 1.26% | 1.54% | Beats 31% | 122 / 176 | ||
| Return on Equity | 11.35% | 9.26% | 11.89% | 14.46% | Beats 44% | 98 / 176 | ||
| Net Interest Margin | 3.73% | 3.25% | 3.59% | 3.93% | Beats 60% | 70 / 176 | ||
| Efficiency Ratio | 63.58% | 52.79% | 59.55% | 67.66% | Beats 40% | 107 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.07% | 0.30% | 0.64% | 1.32% | Beats 30% | 125 / 176 | ||
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.04% | 0.10% | Beats 35% | 115 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.54% | 11.15% | 12.72% | 14.15% | Beats 15% | 150 / 176 | ||
| Total Risk-Based Capital Ratio | 11.79% | 11.81% | 13.63% | 15.33% | Beats 24% | 133 / 176 | ||
| Equity / Assets | 9.06% | 9.16% | 10.35% | 11.80% | Beats 22% | 138 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.71% | 80.94% | 89.73% | 97.21% | 78th pctl | 39 / 176 | ||
| Loans / Assets | 85.08% | 69.25% | 75.12% | 80.82% | 94th pctl | 10 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||