Aspire Bank
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Data as of · sourced from FFIEC call reports. How we update
Aspire Bank is an FDIC-insured commercial bank headquartered in Fargo, ND, established in 1905 (FDIC certificate 3934), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $60.9M, down 4.2% from Q2 2025, the 56th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3934
- Headquarters
- Fargo, ND
- Established
- 1905
- Total assets, Q2 2026
- $60.9M
- Assets vs Q2 2025
- -4.2%
- Tier 1 leverage ratio, Q2 2026
- 11.40%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091301585
- Holding company
- ASPIRE BANCSHARES, INC.
- Asset rank in state
- 56th of 60 in North Dakota
Aspire Bank leans heavily on commercial real estate. It reported $61 million in assets at June 30, 2026, down 4.2% from a year earlier. It holds commercial real estate loans worth 1.9 times its capital, 7.2 times the median of 26% for the 583 banks with less than $100 million in assets. It also lost 5.4% of its deposits over the year, lower than about three-quarters of banks its size (median 2.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.86%. Net income for the quarter slipped 20% from a year earlier, to $155,000. Funding is the softer spot: it pays an average of 2.39% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Aspire Bank reported a return on assets of 1.04%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Aspire Bank is the 56th largest of the 60 banks headquartered in North Dakota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.7% to $60.9M, loans fell 2.6% and deposits fell 4.1%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 23.9% of total loans, followed by commercial and industrial loans at 21.4%. Its 2 offices in the FDIC Summary of Deposits are in Fargo, ND and Hatton, ND; its Fargo office books 82% of its branch deposits. On its Q2 2026 call report, Aspire Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5195 45th St S, Fargo, ND 58104
- County
- Cass
- Metro Area
- Fargo, ND-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 19, 1905
- Former names
- Aspire Financial (2017-2020); Aspire Financial, National Association (2017)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $48.8M
- Allowance for credit losses
- $551K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $59.4M
- Average total loans
- $54.5M
- Average interest-bearing deposits
- $39.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3934
- Fed RSSD
- 668053
- Website
- aspirebanks.com →
- Parent Holding Company
- ASPIRE BANCSHARES, INC. (RSSD 3435957)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Aspire Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Aspire Bank's total assets moved between a low of $60.9M (Q2 2026) and a high of $66.8M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$60.9M total assets against $63.6M; $53.6M total liabilities against $56.9M.
$53.6M net loans and leases against $56.4M; $48.8M total deposits against $51.6M.
$5K securities against $11K; $5.7M cash and balances due against $5.5M.
$922K total interest income against $967K; $292K total interest expense against $373K.
$630K net interest income against $594K.
$41K total noninterest income against $98K; $465K total noninterest expense against $426K.
$1K provision for credit losses against $2K.
$155K net income against $193K.
1.04% return on assets against 1.25%; 4.39% net interest margin against 4.00%.
11.40% tier 1 leverage ratio against 9.93%.
Inside the full Aspire Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.05% (Q4 2024) to 1.25% (Q2 2025) and its net interest margin ran from 3.53% (Q1 2025) to 5.06% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.40% | 1.04% | 0.00% | 0.03% | 4.39% |
| Q1 2026 | 10.90% | 1.09% | 0.00% | 0.03% | 4.40% |
| Q4 2025 | 10.22% | 1.13% | 0.00% | 0.00% | 5.06% |
| Q3 2025 | 9.96% | 1.23% | 0.89% | 7.21% | 3.91% |
| Q2 2025 | 9.93% | 1.25% | 0.86% | 7.32% | 4.00% |
| Q1 2025 | 9.74% | 0.88% | 0.87% | 7.53% | 3.53% |
| Q4 2024 | 9.62% | 0.05% | 0.86% | 7.42% | 3.60% |
| Q3 2024 | 9.24% | 0.87% | 0.85% | 7.54% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Aspire Bank (main office) | Fargo , ND | 58104 | $40.1M |
| Hatton Branch | Hatton , ND | 58240 | $8.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- May 11, 2009, OCC: Formal Agreement: The Farmers and Merchants National Bank of Hatton
- Period: Most recent institution action May 11, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in ND, rank 64 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $232K approved, $116K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Aspire Bank
What are Aspire Bank's total assets?
As of the Q2 2026 filing, Aspire Bank reported total assets of $60.9 million in its FFIEC call report.
Where is Aspire Bank headquartered?
It is headquartered in Fargo, ND, United States.
When was Aspire Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Aspire Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3934). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Aspire Bank?
Aspire Bank's primary federal regulator is the FDIC.
How many branches does Aspire Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Aspire Bank's Texas Ratio?
Its Texas Ratio is 0.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Aspire Bank previously called?
The charter now named Aspire Bank has also operated as Aspire Financial (2017-2020), Aspire Financial, National Association (2017), per FDIC structure-change records.
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