Fargo, ND · Cert 27774
State savings bank · OCC · 46 branches
Q2 2026
Market Position · Fargo, ND-MN · 2026 SOD (annual) · 9.3% share · #3 of 32 inst. · $1.2B of $12.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.73% | 0.73% | 0.82% | 0.87% | +35 bps | |
| Return on Equity | 5.94% | 7.97% | 8.01% | 9.05% | 9.56% | +362 bps | |
| Net Interest Margin | 3.26% | 3.34% | 3.42% | 3.42% | 3.53% | +27 bps | |
| Efficiency Ratio | 80.09% | 77.49% | 79.50% | 75.24% | 73.91% | -618 bps | |
| Non-Interest Burden | 2.28% | 2.21% | 2.39% | 2.20% | 2.22% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.28% | 3.75% | 5.68% | 5.72% | 7.81% | +353 bps | |
| Loan Growth (YoY) | 2.79% | 1.41% | 2.12% | 2.04% | 1.16% | -163 bps | |
| Deposit Growth (YoY) | 7.94% | 7.14% | 8.80% | 6.90% | 8.32% | +37 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.72% | 0.72% | 0.72% | 0.72% | 0.69% | -3 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.13% | 0.10% | 0.18% | 0.14% | +2 bps | |
| Allowance / Loans | 0.67% | 0.69% | 0.69% | 0.70% | 0.70% | +3 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 1.0x | 1.0x | 1.0x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.65% | 9.79% | 9.75% | 9.82% | 9.85% | +20 bps | |
| Total Risk-Based Capital | 9.65% | 9.79% | 9.75% | 9.82% | 9.85% | +20 bps | |
| Equity / Assets | 9.06% | 9.16% | 9.03% | 9.04% | 9.24% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.96% | 86.56% | 83.07% | 81.84% | 83.08% | -588 bps | |
| Liquid Assets / Assets | 5.06% | 6.84% | 7.17% | 7.28% | 4.39% | -67 bps | |
| CRE / Total Capital | n/a | 118.57% | 126.91% | 136.96% | n/a | n/a | |