Beresford, SD · Cert 32629 · Farrar Beresford Bcorp Irrevocable Tr
State savings bank · OCC · 24 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
99
Asset Quality
19
Profitability
87
Liquidity
62
Efficiency
94
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.
Beresford, SD · Cert 32629 · Farrar Beresford Bcorp Irrevocable Tr
State savings bank · OCC · 24 branches
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #26 of 41 inst. · $0.2B of $95.0B
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 | 2.35% | 2.36% | 2.32% | 2.47% | 2.44% | 2.40% | 2.57% | 2.61% | +14 bps | |
| Return on Equity | 14.32% | 14.19% | 13.32% | 13.96% | 13.65% | 13.29% | 13.69% | 13.74% | -21 bps | |
| Net Interest Margin | 7.93% | 7.88% | 7.94% | 7.89% | 7.86% | 7.80% | 7.73% | 7.67% | -21 bps | |
| Efficiency Ratio | 40.43% | 40.16% | 40.63% | 40.76% | 41.16% | 41.39% | 41.76% | 41.59% | +83 bps | |
| Non-Interest Burden | 1.65% | 1.58% | 1.58% | 1.63% | 1.68% | 1.71% | 1.78% | 1.78% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 4.68% | 6.13% | 4.22% | 4.92% | 6.93% | 6.66% | 7.22% | +299 bps | |
| Loan Growth (YoY) | 1.77% | 0.59% | 0.61% | 1.09% | 1.93% | 5.39% | 6.68% | 8.19% | +710 bps | |
| Deposit Growth (YoY) | 7.61% | 4.77% | 6.28% | 3.05% | 2.91% | 5.13% | 4.89% | 5.61% | +256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.62% | 0.54% | 0.53% | 0.56% | 0.87% | 0.81% | 0.90% | +37 bps | |
| Net Charge-Offs / Loans | 5.40% | 5.35% | 5.15% | 4.80% | 4.53% | 4.32% | 4.19% | 4.01% | -79 bps | |
| Allowance / Loans | 6.78% | 6.57% | 6.41% | 6.21% | 6.11% | 5.84% | 5.60% | 5.38% | -83 bps | |
| Allowance Coverage of NPLs | 8.3x | 10.6x | 11.8x | 11.7x | 10.9x | 6.7x | 6.9x | 6.0x | -5.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.17% | 17.52% | 18.02% | 18.33% | 18.71% | 19.00% | 19.11% | 19.25% | +92 bps | |
| Total Risk-Based Capital | 23.94% | 24.48% | 25.22% | 25.82% | 26.08% | 25.99% | 26.45% | 26.82% | +99 bps | |
| Equity / Assets | 17.04% | 17.40% | 17.48% | 18.13% | 18.59% | 18.79% | 18.81% | 19.30% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.60% | 94.32% | 90.99% | 92.41% | 92.72% | 94.55% | 92.54% | 94.67% | +226 bps | |
| Liquid Assets / Assets | 14.78% | 13.73% | 15.25% | 14.33% | 13.14% | 11.46% | 12.38% | 10.36% | -397 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 247% | 244% | n/a | n/a | |
Beresford, SD · Cert 32629 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Farrar Beresford Bcorp Irrevocable Tr
State savings bank · OCC · 24 branches
Q2 2026
Return on Assets
2.57%
Rank 3 of 176
Net Interest Margin
7.67%
Rank 1 of 176
Efficiency Ratio
41.65%
Rank 11 of 176
Equity / Assets
19.30%
Rank 2 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.57% | 0.93% | 1.26% | 1.54% | Beats 98% | 3 / 176 | ||
| Return on Equity | 13.34% | 9.26% | 11.89% | 14.46% | Beats 63% | 66 / 176 | ||
| Net Interest Margin | 7.67% | 3.25% | 3.59% | 3.93% | Beats 99% | 1 / 176 | ||
| Efficiency Ratio | 41.65% | 52.79% | 59.55% | 67.66% | Beats 94% | 11 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.30% | 0.64% | 1.32% | Beats 36% | 113 / 176 | ||
| Net Charge-Offs / Loans | 2.22% | 0.01% | 0.04% | 0.10% | Beats 1% | 176 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.51% | 11.15% | 12.72% | 14.15% | Beats 99% | 2 / 176 | ||
| Total Risk-Based Capital Ratio | 26.82% | 11.81% | 13.63% | 15.33% | Beats 99% | 2 / 176 | ||
| Equity / Assets | 19.30% | 9.16% | 10.35% | 11.80% | Beats 99% | 2 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.67% | 80.94% | 89.73% | 97.21% | 69th pctl | 55 / 176 | ||
| Loans / Assets | 75.52% | 69.25% | 75.12% | 80.82% | 51st pctl | 86 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||