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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 2.37% | 2.32% | 2.59% | 2.40% | 2.29% | 2.57% | 2.63% | +3 bps | |
| Return on Equity | 13.08% | 13.77% | 13.32% | 14.57% | 13.09% | 12.28% | 13.69% | 13.79% | -78 bps | |
| Net Interest Margin | 8.13% | 8.03% | 7.94% | 7.97% | 7.96% | 7.96% | 7.73% | 7.81% | -16 bps | |
| Efficiency Ratio | 38.53% | 39.36% | 40.63% | 40.88% | 41.97% | 42.04% | 41.76% | 41.42% | +53 bps | |
| Non-Interest Burden | 1.42% | 1.45% | 1.58% | 1.71% | 1.82% | 1.86% | 1.78% | 1.82% | +11 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 | 4.85% | 5.29% | 5.15% | 4.47% | 4.11% | 4.21% | 4.19% | 3.92% | -55 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 | |