Fargo, ND · Cert 3934 · Aspire Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Fargo, ND-MN · 2026 SOD (annual) · 0.3% share · #25 of 32 inst. · $0.0B of $12.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.44% | 0.84% | 1.03% | 1.10% | 1.11% | 1.06% | 1.04% | +1 bps | |
| Return on Equity | 5.79% | 4.45% | 8.32% | 10.02% | 10.51% | 10.46% | 9.34% | 8.96% | -106 bps | |
| Net Interest Margin | 3.32% | 3.46% | 3.42% | 3.63% | 3.66% | 3.98% | 4.30% | 4.33% | +70 bps | |
| Efficiency Ratio | 75.54% | 81.01% | 70.73% | 65.72% | 64.11% | 64.13% | 65.44% | 67.40% | +168 bps | |
| Non-Interest Burden | 2.51% | 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 / Loans | 0.85% | 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 / Loans | 1.00% | 1.03% | 1.01% | 1.01% | 1.04% | 1.00% | 0.99% | 1.02% | +1 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.2x | 1.2x | 1.2x | n/a | 274.0x | 275.5x | +274.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 9.62% | 9.74% | 9.93% | 9.96% | 10.22% | 10.90% | 11.40% | +147 bps | |
| Total Risk-Based Capital | 9.24% | 9.62% | 9.74% | 9.93% | 9.96% | 10.22% | 10.90% | 11.40% | +147 bps | |
| Equity / Assets | 9.88% | 10.37% | 9.88% | 10.54% | 11.09% | 11.15% | 11.54% | 11.99% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.86% | 102.22% | 96.92% | 110.41% | 112.04% | 105.77% | 109.17% | 110.88% | +47 bps | |
| Liquid Assets / Assets | 0.14% | 0.07% | 0.05% | 0.33% | 0.26% | 0.26% | 0.17% | 0.31% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 440% | 400% | 412% | n/a | n/a | |