Harwood State Bank
Harwood, ND · Cert 9128 · Peer group: banks under $1B in assets (n=553-600)
FDIC · 1 branch
Q3 2024
$47.7MAssets
$29.1MLoans
$40.1MDeposits
$6.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 95% of banks under $1B in assets (rank 28 of 599).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets (rank 523 of 553).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.76%
Rank 317 of 600
Net Interest Margin
5.09%
Rank 28 of 599
Efficiency Ratio
78.55%
Rank 396 of 599
Equity / Assets
13.67%
Rank 129 of 599
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.46% | 0.79% | 1.24% | Beats 47% | 317 / 600 | |
| Return on Equity | 5.58% | 4.80% | 8.06% | 11.58% | Beats 31% | 414 / 599 | |
| Net Interest Margin | 5.09% | 2.69% | 3.18% | 3.78% | Beats 95% | 28 / 599 | |
| Efficiency Ratio | 78.55% | 60.70% | 71.81% | 83.57% | Beats 34% | 396 / 599 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.79% | 0.07% | 0.33% | 0.86% | Beats 6% | 523 / 553 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.08% | Beats 38% | 343 / 553 | |
| Capital |
| Tier 1 Capital Ratio | 10.53% | 11.16% | 13.46% | 17.80% | Beats 17% | 499 / 599 | |
| Total Risk-Based Capital Ratio | 11.43% | 11.63% | 14.22% | 18.75% | Beats 23% | 464 / 599 | |
| Equity / Assets | 13.67% | 8.41% | 10.03% | 12.90% | Beats 78% | 129 / 599 | |
| Liquidity & Funding |
| Loans / Deposits | 72.50% | 64.78% | 79.25% | 91.89% | 39th pctl | 343 / 562 | |
| Loans / Assets | 61.02% | 56.05% | 67.49% | 76.84% | 36th pctl | 355 / 553 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |