Border Bank
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
$1.1BAssets
$901.5MLoans
$922.6MDeposits
$96.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 60% of banks $1B-$10B in assets operating regionally (rank 70 of 176).
- Widest gap: tier 1 capital ratio trails 85% of banks $1B-$10B in assets operating regionally (rank 150 of 176).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $23.2M · efficiency ratio beats 40% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |