PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Community

Jamestown, ND · Charter 60103

NCUA · 27 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.1BShares
$188.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.85%, up 29 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.61% of loans (+12 bps YoY).
  • Capital: net worth / assets of 12.34%, up 42 bps from a year ago.
  • Funding: loans stand at 100.18% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.85%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.17%+48 bps YoY

Efficiency Ratio (quarter, annualized)

74.94%-683 bps YoY

Net Worth / Assets

12.34%+42 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.60%0.71%0.71%0.85%+29 bps
Return on Equity4.65%5.01%5.70%5.90%6.87%+221 bps
Net Interest Margin2.69%2.75%2.93%3.07%3.17%+48 bps
Efficiency Ratio81.77%80.53%77.82%78.08%74.94%-683 bps
Growth
Asset Growth (YoY)8.22%10.68%9.28%15.15%3.63%-460 bps
Loan Growth (YoY)4.89%4.77%6.77%10.59%10.66%+577 bps
Share Growth (YoY)7.38%5.36%4.09%3.50%2.14%-525 bps
Asset Quality
Delinquent Loans / Loans0.50%0.88%0.56%0.47%0.61%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.92%11.97%12.53%12.08%12.34%+42 bps
Net Worth / Assets11.92%11.97%12.53%12.08%12.34%+42 bps
Liquidity & Funding
Loans / Shares92.46%93.65%93.48%94.84%100.18%+772 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps