Mohall, ND · Cert 8632 · Jorgenson Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (6 in holding)
Q2 2026
Market Position · Minot, ND · 2026 SOD (annual) · 1.7% share · #13 of 14 inst. · $0.1B 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 | 0.69% | 0.50% | 0.66% | 0.78% | 0.77% | 0.75% | 0.89% | 0.92% | +14 bps | |
| Return on Equity | 6.14% | 4.42% | 5.79% | 6.95% | 6.82% | 6.60% | 8.02% | 8.15% | +120 bps | |
| Net Interest Margin | 3.48% | 3.40% | 3.58% | 3.67% | 3.58% | 3.54% | 3.63% | 3.62% | -6 bps | |
| Efficiency Ratio | 76.14% | 82.57% | 77.64% | 73.62% | 73.97% | 74.70% | 69.50% | 69.22% | -441 bps | |
| Non-Interest Burden | 2.62% | 2.79% | 2.75% | 2.67% | 2.62% | 2.61% | 2.47% | 2.46% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.68% | 3.04% | 5.95% | 8.82% | 4.78% | 9.38% | 10.69% | 2.03% | -679 bps | |
| Loan Growth (YoY) | 6.77% | 8.22% | 5.34% | 6.54% | 2.99% | 8.00% | 5.96% | 2.61% | -393 bps | |
| Deposit Growth (YoY) | 6.43% | 6.49% | 5.41% | 4.34% | 4.09% | 3.88% | 11.26% | 5.97% | +163 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.94% | 1.08% | 0.76% | 0.69% | 0.70% | 0.73% | 0.45% | 0.43% | -26 bps | |
| Net Charge-Offs / Loans | -0.25% | -0.19% | 0.01% | 0.00% | 0.02% | -0.03% | 0.27% | 0.13% | +12 bps | |
| Allowance / Loans | 0.77% | 0.78% | 0.79% | 0.73% | 0.73% | 0.75% | 0.71% | 0.68% | -5 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 1.0x | 1.1x | 1.1x | 1.0x | 1.6x | 1.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.52% | 12.36% | 12.13% | 12.08% | 11.83% | 11.75% | 11.78% | 11.78% | -31 bps | |
| Total Risk-Based Capital | 15.98% | 16.03% | 16.01% | 15.70% | 15.97% | 14.49% | 15.17% | 16.69% | +99 bps | |
| Equity / Assets | 11.53% | 11.41% | 11.28% | 11.03% | 11.54% | 11.39% | 10.87% | 11.50% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.95% | 86.23% | 80.05% | 87.49% | 88.02% | 89.66% | 76.24% | 84.71% | -278 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 35.88% | 53.18% | 51.16% | n/a | n/a | |