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 | |