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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=570 to 617). 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

51

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 2026-10-11

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 $1.1MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $39.0M20%Noninterest $9.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.44%0.84%1.03%1.10%1.11%1.06%1.04%+1 bps
Return on Equity5.79%4.45%8.32%10.02%10.51%10.46%9.34%8.96%-106 bps
Net Interest Margin3.32%3.46%3.42%3.63%3.66%3.98%4.30%4.33%+70 bps
Efficiency Ratio75.54%81.01%70.73%65.72%64.11%64.13%65.44%67.40%+168 bps
Non-Interest Burden2.51%2.80%2.29%2.19%2.17%2.47%2.77%2.84%+65 bps
Growth
Asset Growth (YoY)3.04%-0.88%1.56%-4.78%-4.84%1.82%-5.97%-4.23%+54 bps
Loan Growth (YoY)9.53%5.69%7.13%0.64%-2.76%-1.31%-1.45%-4.99%-563 bps
Deposit Growth (YoY)2.93%-3.61%-0.48%-14.48%-15.07%-4.62%-12.51%-5.39%+908 bps
Asset Quality
Nonperforming Loans / Loans0.85%0.86%0.87%0.86%0.89%0.00%0.00%0.00%-86 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%-0.01%0.05%-0.01%-0.01%0 bps
Allowance / Loans1.00%1.03%1.01%1.01%1.04%1.00%0.99%1.02%+1 bps
Allowance Coverage of NPLs1.2x1.2x1.2x1.2x1.2xn/a274.0x275.5x+274.3x
Capital
Tier 1 Leverage Ratio9.24%9.62%9.74%9.93%9.96%10.22%10.90%11.40%+147 bps
Total Risk-Based Capital9.24%9.62%9.74%9.93%9.96%10.22%10.90%11.40%+147 bps
Equity / Assets9.88%10.37%9.88%10.54%11.09%11.15%11.54%11.99%+145 bps
Liquidity & Funding
Loans / Deposits97.86%102.22%96.92%110.41%112.04%105.77%109.17%110.88%+47 bps
Liquid Assets / Assets0.14%0.07%0.05%0.33%0.26%0.26%0.17%0.31%-2 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Aspire Bank

Fargo, ND · Cert 3934 · Peer group: banks under $1B in assets (n=570-617) · 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 160 of 570).
  • Widest gap: total risk-based capital ratio trails 77% of banks under $1B in assets (rank 474 of 617).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.05%

Rank 294 of 617

Net Interest Margin

4.33%

Rank 90 of 617

Efficiency Ratio

67.40%

Rank 305 of 617

Equity / Assets

11.99%

Rank 220 of 617

Non-interest income vs. expense

$0.1M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 51% of banks under $1B in assets
Bank 67.40%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%0.60%1.01%1.45%Beats 52%294 / 617
Return on Equity8.76%5.30%9.43%13.30%Beats 45%342 / 617
Net Interest Margin4.33%3.04%3.54%4.05%Beats 85%90 / 617
Efficiency Ratio67.40%58.03%67.76%79.08%Beats 51%305 / 617
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 86%81 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio11.40%11.18%13.83%18.55%Beats 28%447 / 617
Total Risk-Based Capital Ratio11.40%11.56%14.39%19.39%Beats 23%474 / 617
Equity / Assets11.99%9.03%10.55%13.63%Beats 64%220 / 617
Liquidity & Funding
Loans / Deposits110.88%64.77%79.70%93.06%96th pctl21 / 582
Loans / Assets88.85%51.70%67.18%77.51%98th pctl10 / 617
Brokered Deposits / Depositsn/aNot reported for this institution