Fargo, ND · Cert 57892
FDIC · 3 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=535 to 585). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
13
Profitability
21
Liquidity
36
Efficiency
68
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.
Fargo, ND · Cert 57892
FDIC · 3 branches
Q3 2025
Market Position · Fargo, ND-MN · 2025 SOD (annual) · 2.1% share · #10 of 32 inst. · $0.3B of $12.7B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.47% | 0.53% | 0.46% | 0.48% | -1.23% | -0.34% | -0.12% | -58 bps | |
| Return on Equity | 7.01% | 5.12% | 5.77% | 5.07% | 5.29% | -11.04% | -2.87% | -0.95% | -602 bps | |
| Net Interest Margin | 3.40% | 3.28% | 3.25% | 3.27% | 3.19% | 1.28% | 3.02% | 3.43% | +15 bps | |
| Efficiency Ratio | 75.36% | 82.89% | 80.42% | 79.65% | 78.80% | 65.78% | 57.48% | 57.20% | -2,245 bps | |
| Non-Interest Burden | 2.43% | 2.65% | 2.54% | 2.52% | 2.42% | 0.81% | 1.65% | 1.85% | -67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.73% | 4.05% | 3.03% | 2.61% | 5.74% | 12.71% | 15.18% | 9.99% | +738 bps | |
| Loan Growth (YoY) | 9.19% | 6.99% | 6.13% | 3.58% | 10.39% | 4.40% | 7.14% | 10.83% | +725 bps | |
| Deposit Growth (YoY) | 2.78% | 3.75% | 2.50% | 8.91% | 6.91% | 7.86% | 13.23% | 5.90% | -300 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.82% | 0.77% | 0.77% | 0.69% | 0.80% | 1.19% | 1.32% | +56 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.61% | 0.50% | +49 bps | |
| Allowance / Loans | 1.00% | 1.00% | 0.98% | 1.08% | 1.08% | 0.65% | 0.75% | 1.05% | -3 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.3x | 1.4x | 1.6x | 0.8x | 0.6x | 0.8x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.28% | 9.38% | 9.39% | 9.08% | 8.17% | 8.10% | 8.10% | -129 bps | |
| Total Risk-Based Capital | 12.66% | 12.65% | 12.60% | 12.66% | 12.11% | 10.22% | 10.90% | 11.02% | -164 bps | |
| Equity / Assets | 9.17% | 9.03% | 9.21% | 9.21% | 9.10% | 12.98% | 13.14% | 13.44% | +423 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.24% | 87.38% | 91.38% | 88.20% | 92.15% | 84.57% | 86.46% | 92.30% | +410 bps | |
| Liquid Assets / Assets | 0.13% | 1.12% | 0.28% | 2.67% | 0.92% | 4.83% | 8.20% | 3.71% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 512% | n/a | n/a |
Fargo, ND · Cert 57892 · Peer group: banks under $1B in assets (n=535-585)
FDIC · 3 branches
Q3 2025
Return on Assets
-0.11%
Rank 543 of 585
Net Interest Margin
3.43%
Rank 293 of 584
Efficiency Ratio
60.24%
Rank 187 of 584
Equity / Assets
13.44%
Rank 145 of 584
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.11% | 0.60% | 0.98% | 1.45% | Beats 7% | 543 / 585 | ||
| Return on Equity | -0.85% | 5.86% | 9.54% | 12.76% | Beats 7% | 541 / 584 | ||
| Net Interest Margin | 3.43% | 2.90% | 3.43% | 3.93% | Beats 50% | 293 / 584 | ||
| Efficiency Ratio | 60.24% | 57.87% | 67.56% | 78.72% | Beats 68% | 187 / 584 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.06% | 0.38% | 1.05% | Beats 19% | 435 / 535 | ||
| Net Charge-Offs / Loans | 0.38% | 0.00% | 0.02% | 0.10% | Beats 7% | 496 / 535 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.92% | 11.47% | 13.94% | 18.44% | Beats 7% | 544 / 584 | ||
| Total Risk-Based Capital Ratio | 11.02% | 11.93% | 14.43% | 19.34% | Beats 17% | 486 / 584 | ||
| Equity / Assets | 13.44% | 8.74% | 10.51% | 13.41% | Beats 75% | 145 / 584 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.30% | 63.70% | 78.89% | 91.92% | 76th pctl | 131 / 546 | ||
| Loans / Assets | 79.12% | 55.77% | 68.46% | 77.90% | 79th pctl | 114 / 535 | ||
| Brokered Deposits / Deposits | 1.93% | n/a | n/a | 4.01% | Beats 31% | 378 / 546 | n/a | |