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
Unfavorable gap of $1.8M · efficiency ratio beats 49% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |