Aspire Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 2.00 percentage points lower than in Q1 2026, at 80.13%. Aspire Bank ranks 49th of 60 North Dakota banks on return on assets, in the lower half at 1.04% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. Aspire Bank sits 0.06 points higher, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.40% |
| Equity capital to assets | 11.99% |
| Tangible equity to tangible assets | 11.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.03% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 8.58% |
| Net interest margin | 4.39% |
| Efficiency ratio | 69.30% |
| Yield on earning assets | 6.42% |
| Cost of funds | 2.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.88% |
| Core deposits to total deposits | 93.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.13% |
| Securities to assets | 0.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 8.95% | 0.75% | 3.76% | 1.19% | -0.15% |
| Q4 2023 | 9.12% | 0.56% | 3.39% | 1.15% | -0.01% |
| Q1 2024 | 9.04% | 0.44% | 3.15% | 0.99% | -0.02% |
| Q2 2024 | 8.88% | 0.42% | 3.33% | 0.90% | -0.01% |
| Q3 2024 | 9.24% | 0.87% | 3.73% | 0.85% | -0.01% |
| Q4 2024 | 9.62% | 0.05% | 3.60% | 0.86% | -0.01% |
| Q1 2025 | 9.74% | 0.88% | 3.53% | 0.87% | -0.01% |
| Q2 2025 | 9.93% | 1.25% | 4.00% | 0.86% | -0.01% |
| Q3 2025 | 9.96% | 1.23% | 3.91% | 0.89% | -0.01% |
| Q4 2025 | 10.22% | 1.13% | 5.06% | 0.00% | 0.23% |
| Q1 2026 | 10.90% | 1.09% | 4.40% | 0.00% | -0.01% |
| Q2 2026 | 11.40% | 1.04% | 4.39% | 0.00% | -0.01% |
Aspire Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Aspire Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Aspire Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3934) · FFIEC NIC profile (RSSD 668053)