The Goose River 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.
Reserve coverage of non-performing loans climbed 15.84 percentage points in Q2 2026, from 48.59% to 64.43%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, The Goose River Bank is 33rd of 60 on return on assets, 1.39% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Goose River Bank sits 0.14 points higher, at 1.39% (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 | 11.48% |
| Equity capital to assets | 11.36% |
| Tangible equity to tangible assets | 11.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.50% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 10.63% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 64.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 12.58% |
| Net interest margin | 4.37% |
| Efficiency ratio | 64.26% |
| Yield on earning assets | 5.82% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.51% |
| Core deposits to total deposits | 86.10% |
| Brokered deposits to total deposits | 6.79% |
| Deposits to assets | 84.93% |
| Securities to assets | 9.48% |
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 | 9.95% | 0.90% | 4.19% | 0.01% | -0.37% |
| Q4 2023 | 10.45% | 1.46% | 4.19% | 0.34% | 0.00% |
| Q1 2024 | 10.49% | 1.66% | 4.36% | 0.29% | 0.00% |
| Q2 2024 | 10.47% | 1.35% | 4.14% | 0.37% | 0.00% |
| Q3 2024 | 10.28% | 1.22% | 3.83% | 0.35% | 0.20% |
| Q4 2024 | 10.17% | 1.32% | 3.84% | 0.00% | 0.01% |
| Q1 2025 | 10.74% | 0.88% | 4.16% | 0.00% | 0.00% |
| Q2 2025 | 10.91% | 1.40% | 4.13% | 0.00% | 0.01% |
| Q3 2025 | 11.26% | 1.35% | 4.18% | 2.83% | -0.00% |
| Q4 2025 | 11.57% | 1.69% | 4.42% | 2.56% | 0.53% |
| Q1 2026 | 11.49% | 1.01% | 4.31% | 1.89% | 0.00% |
| Q2 2026 | 11.48% | 1.39% | 4.37% | 1.50% | 0.00% |
The Goose River Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Goose River 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 The Goose River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10236) · FFIEC NIC profile (RSSD 821157)