Kindred, ND · Cert 8946
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Fargo, ND-MN · 2026 SOD (annual) · 0.3% share · #26 of 32 inst. · $0.0B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.17% | 0.44% | 0.66% | 0.93% | 1.03% | 1.10% | 1.04% | +38 bps | |
| Return on Equity | 13.41% | 14.06% | 5.71% | 8.40% | 11.31% | 12.15% | 12.91% | 12.12% | +372 bps | |
| Net Interest Margin | 3.69% | 3.50% | 3.41% | 3.43% | 3.62% | 3.57% | 3.59% | 3.58% | +15 bps | |
| Efficiency Ratio | 66.17% | 65.15% | 69.21% | 68.27% | 66.28% | 67.33% | 63.93% | 64.79% | -348 bps | |
| Non-Interest Burden | 2.23% | 1.97% | 2.24% | 2.24% | 2.21% | 2.10% | 2.14% | 2.22% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.14% | 4.44% | 7.08% | 11.00% | 1.30% | -3.70% | -3.42% | -0.48% | -1,148 bps | |
| Loan Growth (YoY) | 18.63% | 12.49% | 0.45% | -2.61% | -1.80% | -2.32% | 0.93% | 1.57% | +419 bps | |
| Deposit Growth (YoY) | -3.19% | 3.96% | 7.29% | 11.60% | 0.85% | -4.57% | -4.30% | -1.24% | -1,284 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.13% | 0.46% | 0.45% | 0.61% | 0.23% | 0.20% | 0.13% | -32 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.26% | 0.00% | 0.00% | 0.00% | 0.00% | 0.24% | 0.23% | +23 bps | |
| Allowance / Loans | 0.63% | 0.61% | 0.92% | 0.95% | 0.79% | 0.80% | 0.74% | 0.66% | -29 bps | |
| Allowance Coverage of NPLs | 2.0x | 4.7x | 2.0x | 2.1x | 1.3x | 3.5x | 3.8x | 5.1x | +3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.14% | 8.92% | 7.78% | 8.04% | 9.18% | 9.55% | 8.48% | 8.35% | +31 bps | |
| Total Risk-Based Capital | 16.84% | 16.74% | 16.39% | 16.81% | 17.62% | 16.70% | 16.00% | 17.04% | +23 bps | |
| Equity / Assets | 9.45% | 8.40% | 7.01% | 8.17% | 9.80% | 9.20% | 7.83% | 8.83% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.63% | 54.44% | 47.85% | 55.44% | 64.89% | 55.73% | 50.46% | 57.02% | +158 bps | |
| Liquid Assets / Assets | 27.47% | 24.50% | 22.36% | 23.93% | 25.13% | 21.91% | 19.95% | 26.30% | +237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 95.85% | 104.42% | 111.48% | n/a | n/a | |