ASPIRE BANK

FARGO, ND | Micro | Est. Sept. 19, 1905, midnight | FDIC #3934 | RSSD #668053 | FDIC
Latest Report: 2025-12-31

ASPIRE BANK is amn micro FDIC-insured commercial bank headquartered in FARGO, ND, established in Sept. 19, 1905, midnight. As of 2025-12-31, the bank reported total assets of $63M and total deposits of $51M. Profitability stands at 1.15% ROA and 10.33% ROE, with a net interest margin of 5.40%. The bank's CET1 capital ratio is 9.51%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3934.

Assets

$63M

Deposits

$51M

Loans

$54M

Equity

$7M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 10.33%
Net Interest Margin (NIM) 5.40%
Yield on Assets 7.80%
Cost of Funds 3.65%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 9.51%
Tier 1 Capital 9.51%
Total Capital Ratio 9.98%
Leverage Ratio 10.22%
Loan-to-Deposit 105.77%

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