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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

$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