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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.47% | 0.59% | 0.34% | 0.54% | -1.23% | 0.51% | 0.32% | -2 bps | |
| Return on Equity | 10.84% | 5.12% | 6.46% | 3.72% | 5.92% | -11.04% | 3.92% | 2.40% | -132 bps | |
| Net Interest Margin | 3.41% | 3.28% | 3.25% | 3.37% | 3.42% | 1.28% | 4.86% | 4.28% | +91 bps | |
| Efficiency Ratio | 69.77% | 82.89% | 78.02% | 78.21% | 76.48% | 65.78% | 55.43% | 56.83% | -2,138 bps | |
| Non-Interest Burden | 2.14% | 2.65% | 2.43% | 2.52% | 2.50% | 0.81% | 2.54% | 2.28% | -24 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 | 0.00% | 0.00% | 0.00% | 0.03% | -0.03% | 0.00% | 1.23% | 0.32% | +29 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 |