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Aspire Bank

Fargo, ND · Cert 3934 · Aspire Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

93

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Aspire Bank

Fargo, ND · Cert 3934 · Aspire Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$60.9MAssets
$54.1MLoans
$48.8MDeposits
$7.3MEquity
Loan mix
77%RE $41.5M21%C&I $11.4M2%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $39.0M20%Noninterest $9.8MQ2 2025Q2 2026

NIM

5.75%Q2 ’246.04%Q2 ’256.29%Q2 ’26+17%+19%

Non-interest income vs. expense

2.35%Q2 ’242.69%Q2 ’253.00%Q2 ’26-13%+30%

Market Position · Fargo, ND-MN · 2026 SOD (annual) · 0.3% share · #25 of 32 inst. · $0.0B of $12.9B

0.4% Cass
2.3% Traill

Executive Summary

  • Earnings: ROA of 1.04%, up 1 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (-86 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.40%, up 147 bps from a year ago.
  • Funding: loans stand at 110.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+70 bps YoY

Efficiency Ratio (YTD, annualized)

67.40%+168 bps YoY

Tier 1 Leverage Ratio

11.40%+147 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.10%1.11%1.06%1.04%+1 bps
Return on Equity10.02%10.51%10.46%9.34%8.96%-106 bps
Net Interest Margin3.63%3.66%3.98%4.30%4.33%+70 bps
Efficiency Ratio65.72%64.11%64.13%65.44%67.40%+168 bps
Non-Interest Burden2.19%2.17%2.47%2.77%2.84%+65 bps
Growth
Asset Growth (YoY)-4.78%-4.84%1.82%-5.97%-4.23%+54 bps
Loan Growth (YoY)0.64%-2.76%-1.31%-1.45%-4.99%-563 bps
Deposit Growth (YoY)-14.48%-15.07%-4.62%-12.51%-5.39%+908 bps
Asset Quality
Nonperforming Loans / Loans0.86%0.89%0.00%0.00%0.00%-86 bps
Net Charge-Offs / Loans-0.01%-0.01%0.05%-0.01%-0.01%0 bps
Allowance / Loans1.01%1.04%1.00%0.99%1.02%+1 bps
Allowance Coverage of NPLs1.2x1.2xn/a274.0x275.5x+274.3x
Capital
Tier 1 Leverage Ratio9.93%9.96%10.22%10.90%11.40%+147 bps
Total Risk-Based Capital9.93%9.96%10.22%10.90%11.40%+147 bps
Equity / Assets10.54%11.09%11.15%11.54%11.99%+145 bps
Liquidity & Funding
Loans / Deposits110.41%112.04%105.77%109.17%110.88%+47 bps
Liquid Assets / Assets0.33%0.26%0.26%0.17%0.31%-2 bps
CRE / Total Capitaln/a440%400%412%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Aspire Bank

Fargo, ND · Cert 3934 · Peer group: banks under $1B in assets (n=573-620) · Aspire Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$60.9MAssets
$54.1MLoans
$48.8MDeposits
$7.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 162 of 573).
  • Widest gap: total risk-based capital ratio trails 77% of banks under $1B in assets (rank 480 of 620).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.05%

Rank 289 of 620

Net Interest Margin

4.33%

Rank 88 of 620

Efficiency Ratio

67.40%

Rank 301 of 620

Equity / Assets

11.99%

Rank 219 of 620

Non-interest income vs. expense

$0.1M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 52% of banks under $1B in assets
Bank 67.40%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.60%1.00%1.45%Beats 53%289 / 620
Return on Equity8.76%5.30%9.30%13.29%Beats 45%338 / 620
Net Interest Margin4.33%3.02%3.53%4.04%Beats 86%88 / 620
Efficiency Ratio67.40%58.35%68.08%79.37%Beats 52%301 / 620
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 86%84 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio11.40%11.27%13.87%18.78%Beats 27%454 / 620
Total Risk-Based Capital Ratio11.40%11.69%14.57%19.67%Beats 23%480 / 620
Equity / Assets11.99%9.03%10.60%13.73%Beats 65%219 / 620
Liquidity & Funding
Loans / Deposits110.88%65.08%79.69%92.47%96th pctl24 / 585
Loans / Assets88.85%51.85%67.17%77.86%98th pctl11 / 620
Brokered Deposits / Depositsn/aNot reported for this institution