Harvey, ND · Cert 8383 · First Harvey Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
15
Asset Quality
23
Profitability
33
Liquidity
0
Efficiency
49
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.
Harvey, ND · Cert 8383 · First Harvey Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minot, ND · 2026 SOD (annual) · 0.1% share · #14 of 14 inst. · $0.0B of $3.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.66% | 0.64% | 0.54% | 0.70% | 0.74% | 0.79% | 0.78% | +24 bps | |
| Return on Equity | 9.43% | 10.12% | 9.99% | 8.18% | 10.10% | 10.31% | 9.83% | 9.58% | +140 bps | |
| Net Interest Margin | 2.49% | 2.39% | 2.42% | 2.40% | 2.47% | 2.49% | 2.61% | 2.73% | +32 bps | |
| Efficiency Ratio | 71.88% | 70.17% | 70.06% | 74.27% | 69.00% | 65.03% | 65.43% | 67.59% | -667 bps | |
| Non-Interest Burden | 1.68% | 1.56% | 1.64% | 1.74% | 1.61% | 1.49% | 1.63% | 1.76% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.02% | 0.46% | 4.98% | 3.76% | 8.09% | 6.82% | 5.15% | 2.32% | -144 bps | |
| Loan Growth (YoY) | 4.00% | 6.77% | -1.14% | 3.31% | 4.79% | 10.16% | 13.06% | 10.76% | +745 bps | |
| Deposit Growth (YoY) | 1.59% | 0.23% | 4.36% | 2.77% | 8.13% | 4.54% | 3.89% | -0.58% | -335 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.13% | 0.85% | 1.14% | 1.01% | 0.72% | 1.47% | 1.14% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | 0.00% | 0.20% | +21 bps | |
| Allowance / Loans | 1.35% | 1.34% | 1.42% | 1.26% | 1.16% | 1.10% | 1.25% | 1.03% | -22 bps | |
| Allowance Coverage of NPLs | 2.6x | 10.3x | 1.7x | 1.1x | 1.2x | 1.5x | 0.9x | 0.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.34% | 10.84% | 10.43% | 10.35% | 10.62% | 10.22% | 10.24% | 10.40% | +5 bps | |
| Total Risk-Based Capital | 11.34% | 10.84% | 10.43% | 10.35% | 10.62% | 10.22% | 10.24% | 10.40% | +5 bps | |
| Equity / Assets | 7.82% | 6.33% | 6.53% | 7.03% | 7.79% | 8.30% | 7.70% | 8.52% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.53% | 40.16% | 31.79% | 37.33% | 39.28% | 42.32% | 34.59% | 41.60% | +426 bps | |
| Liquid Assets / Assets | 4.73% | 4.73% | 4.39% | 4.55% | 4.37% | 4.43% | 4.18% | 3.97% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 66.50% | 80.18% | 81.37% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.60% | 1.01% | 1.45% | Beats 34% | 416 / 629 | ||
| Return on Equity | 9.37% | 5.38% | 9.30% | 13.28% | Beats 50% | 313 / 629 | ||
| Net Interest Margin | 2.73% | 3.03% | 3.54% | 4.05% | Beats 14% | 538 / 629 | ||
| Efficiency Ratio | 68.12% | 58.35% | 67.79% | 79.08% | Beats 49% | 321 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.09% | 0.46% | 1.20% | Beats 27% | 428 / 581 | ||
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 477 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.40% | 11.24% | 13.84% | 18.77% | Beats 15% | 536 / 629 | ||
| Total Risk-Based Capital Ratio | 10.40% | 11.58% | 14.43% | 19.66% | Beats 13% | 547 / 629 | ||
| Equity / Assets | 8.52% | 9.09% | 10.65% | 13.80% | Beats 17% | 522 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.60% | 67.24% | 80.90% | 93.48% | 7th pctl | 555 / 594 | ||
| Loans / Assets | 37.18% | 53.31% | 67.71% | 78.15% | 13th pctl | 545 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||