First State Bank of Harvey: 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 Loan-to-deposit ratio: 7.00 percentage points higher than in Q1 2026, at 41.60%. On return on assets, First State Bank of Harvey is 6th from the bottom among 60 North Dakota banks, 0.95% (Q2 2026). At 0.95%, First State Bank of Harvey's return on assets is close to the 0.98% median for banks in the < $100M asset tier (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 | 10.40% |
| Equity capital to assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.14% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.43% |
| Texas ratio | 4.75% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 91.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 12.00% |
| Net interest margin | 3.07% |
| Efficiency ratio | 66.86% |
| Yield on earning assets | 4.31% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.60% |
| Core deposits to total deposits | 94.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.38% |
| Securities to assets | 58.63% |
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 | 11.33% | 0.82% | 2.40% | 0.06% | 0.08% |
| Q4 2023 | 11.08% | 0.82% | 2.50% | 0.01% | 0.00% |
| Q1 2024 | 10.75% | 0.68% | 2.49% | 0.00% | 0.00% |
| Q2 2024 | 10.86% | 0.58% | 2.41% | 0.00% | 0.00% |
| Q3 2024 | 11.34% | 1.10% | 2.63% | 0.00% | 0.00% |
| Q4 2024 | 10.84% | 0.97% | 2.42% | 0.00% | -0.01% |
| Q1 2025 | 10.43% | 0.79% | 2.64% | 0.00% | 0.00% |
| Q2 2025 | 10.35% | 0.54% | 2.61% | 0.00% | -0.01% |
| Q3 2025 | 10.62% | 1.27% | 2.82% | 0.00% | -0.01% |
| Q4 2025 | 10.22% | 1.05% | 2.96% | 0.00% | 0.00% |
| Q1 2026 | 10.24% | 0.97% | 2.85% | 0.00% | 0.00% |
| Q2 2026 | 10.40% | 0.95% | 3.07% | 1.14% | 0.43% |
First State Bank of Harvey vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Harvey, 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 First State Bank of Harvey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8383) · FFIEC NIC profile (RSSD 997557)