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
Unfavorable gap of $1.7M · efficiency ratio beats 51% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.60% | 1.01% | 1.45% | Beats 52% | 294 / 617 | | |
| Return on Equity | 8.76% | 5.30% | 9.43% | 13.30% | Beats 45% | 342 / 617 | | |
| Net Interest Margin | 4.33% | 3.04% | 3.54% | 4.05% | Beats 85% | 90 / 617 | | |
| Efficiency Ratio | 67.40% | 58.03% | 67.76% | 79.08% | Beats 51% | 305 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 86% | 81 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 11.40% | 11.18% | 13.83% | 18.55% | Beats 28% | 447 / 617 | | |
| Total Risk-Based Capital Ratio | 11.40% | 11.56% | 14.39% | 19.39% | Beats 23% | 474 / 617 | | |
| Equity / Assets | 11.99% | 9.03% | 10.55% | 13.63% | Beats 64% | 220 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 110.88% | 64.77% | 79.70% | 93.06% | 96th pctl | 21 / 582 | | |
| Loans / Assets | 88.85% | 51.70% | 67.18% | 77.51% | 98th pctl | 10 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |