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First State Bank of Harvey

Harvey, ND · Cert 8383 · First Harvey Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

15

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First State Bank of Harvey

Harvey, ND · Cert 8383 · First Harvey Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$94.6MAssets
$35.2MLoans
$84.6MDeposits
$8.1MEquity
Loan mix
76%RE $21.4M10%C&I $2.8M14%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $61.4M27%Noninterest $23.1MQ2 2025Q2 2026

NIM

3.56%Q2 ’243.65%Q2 ’253.92%Q2 ’26+1%+13%

Non-interest income vs. expense

2.19%Q2 ’242.10%Q2 ’252.06%Q2 ’260%+1%

Market Position · Minot, ND · 2026 SOD (annual) · 0.1% share · #14 of 14 inst. · $0.0B of $3.7B

23.3% Wells
2.3% McHenry

Executive Summary

  • Earnings: ROA of 0.78%, up 24 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 1.14% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 10.40%, up 5 bps from a year ago.
  • Funding: loans stand at 41.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.78%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+32 bps YoY

Efficiency Ratio (YTD, annualized)

67.59%-667 bps YoY

Tier 1 Leverage Ratio

10.40%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.70%0.74%0.79%0.78%+24 bps
Return on Equity8.18%10.10%10.31%9.83%9.58%+140 bps
Net Interest Margin2.40%2.47%2.49%2.61%2.73%+32 bps
Efficiency Ratio74.27%69.00%65.03%65.43%67.59%-667 bps
Non-Interest Burden1.74%1.61%1.49%1.63%1.76%+2 bps
Growth
Asset Growth (YoY)3.76%8.09%6.82%5.15%2.32%-144 bps
Loan Growth (YoY)3.31%4.79%10.16%13.06%10.76%+745 bps
Deposit Growth (YoY)2.77%8.13%4.54%3.89%-0.58%-335 bps
Asset Quality
Nonperforming Loans / Loans1.14%1.01%0.72%1.47%1.14%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.20%+21 bps
Allowance / Loans1.26%1.16%1.10%1.25%1.03%-22 bps
Allowance Coverage of NPLs1.1x1.2x1.5x0.9x0.9x-0.2x
Capital
Tier 1 Leverage Ratio10.35%10.62%10.22%10.24%10.40%+5 bps
Total Risk-Based Capital10.35%10.62%10.22%10.24%10.40%+5 bps
Equity / Assets7.03%7.79%8.30%7.70%8.52%+149 bps
Liquidity & Funding
Loans / Deposits37.33%39.28%42.32%34.59%41.60%+426 bps
Liquid Assets / Assets4.55%4.37%4.43%4.18%3.97%-58 bps
CRE / Total Capitaln/a66.50%80.18%81.37%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First State Bank of Harvey

Harvey, ND · Cert 8383 · Peer group: banks under $1B in assets (n=581-629) · First Harvey Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$94.6MAssets
$35.2MLoans
$84.6MDeposits
$8.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 50% of banks under $1B in assets (rank 313 of 629).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets (rank 547 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.80%

Rank 416 of 629

Net Interest Margin

2.73%

Rank 538 of 629

Efficiency Ratio

68.12%

Rank 321 of 629

Equity / Assets

8.52%

Rank 522 of 629

Non-interest income vs. expense

$0.3M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 49% of banks under $1B in assets
Bank 68.12%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.60%1.01%1.45%Beats 34%416 / 629
Return on Equity9.37%5.38%9.30%13.28%Beats 50%313 / 629
Net Interest Margin2.73%3.03%3.54%4.05%Beats 14%538 / 629
Efficiency Ratio68.12%58.35%67.79%79.08%Beats 49%321 / 629
Asset Quality
Nonperforming Loans / Loans1.14%0.09%0.46%1.20%Beats 27%428 / 581
Net Charge-Offs / Loans0.10%n/a0.01%0.06%Beats 18%477 / 581
Capital
Tier 1 Capital Ratio10.40%11.24%13.84%18.77%Beats 15%536 / 629
Total Risk-Based Capital Ratio10.40%11.58%14.43%19.66%Beats 13%547 / 629
Equity / Assets8.52%9.09%10.65%13.80%Beats 17%522 / 629
Liquidity & Funding
Loans / Deposits41.60%67.24%80.90%93.48%7th pctl555 / 594
Loans / Assets37.18%53.31%67.71%78.15%13th pctl545 / 629
Brokered Deposits / Depositsn/aNot reported for this institution