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 | |