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
Unfavorable gap of $1.7M · efficiency ratio beats 52% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.60% | 1.00% | 1.45% | Beats 53% | 289 / 620 | |
| Return on Equity | 8.76% | 5.30% | 9.30% | 13.29% | Beats 45% | 338 / 620 | |
| Net Interest Margin | 4.33% | 3.02% | 3.53% | 4.04% | Beats 86% | 88 / 620 | |
| Efficiency Ratio | 67.40% | 58.35% | 68.08% | 79.37% | Beats 52% | 301 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 86% | 84 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 11.40% | 11.27% | 13.87% | 18.78% | Beats 27% | 454 / 620 | |
| Total Risk-Based Capital Ratio | 11.40% | 11.69% | 14.57% | 19.67% | Beats 23% | 480 / 620 | |
| Equity / Assets | 11.99% | 9.03% | 10.60% | 13.73% | Beats 65% | 219 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 110.88% | 65.08% | 79.69% | 92.47% | 96th pctl | 24 / 585 | |
| Loans / Assets | 88.85% | 51.85% | 67.17% | 77.86% | 98th pctl | 11 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |