Arthur, ND · Cert 8387 · First Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Fargo, ND-MN · 2026 SOD (annual) · 1.7% share · #13 of 32 inst. · $0.2B of $12.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.27% | 1.35% | 1.38% | 1.54% | +18 bps | |
| Return on Equity | 12.40% | 11.61% | 12.33% | 12.32% | 13.76% | +136 bps | |
| Net Interest Margin | 4.64% | 4.51% | 4.31% | 4.71% | 4.68% | +3 bps | |
| Efficiency Ratio | 59.99% | 60.13% | 59.03% | 58.82% | 54.78% | -521 bps | |
| Non-Interest Burden | 2.72% | 2.65% | 2.48% | 2.68% | 2.47% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.81% | 10.59% | 7.40% | 5.90% | 6.65% | -16 bps | |
| Loan Growth (YoY) | 7.91% | 11.79% | 9.20% | 8.79% | 7.89% | -2 bps | |
| Deposit Growth (YoY) | 18.05% | 15.84% | 7.88% | 7.80% | 9.96% | -809 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.32% | 0.18% | 0.43% | 0.58% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.07% | 0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 1.00% | 1.06% | 0.97% | 1.04% | 1.05% | +5 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.3x | 5.5x | 2.4x | 1.8x | -1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.25% | 10.13% | 10.00% | 10.22% | 10.32% | +7 bps | |
| Total Risk-Based Capital | 11.25% | 11.00% | 11.20% | 11.57% | 11.51% | +26 bps | |
| Equity / Assets | 11.08% | 10.87% | 10.98% | 11.43% | 11.18% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 114.05% | 118.07% | 109.55% | 103.49% | 111.90% | -215 bps | |
| Liquid Assets / Assets | 0.57% | 0.63% | 0.53% | 0.48% | 0.47% | -10 bps | |
| CRE / Total Capital | n/a | 72.09% | 68.01% | 63.64% | n/a | n/a | |