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Border Bank

$1B-$10B Specialty: Commercial ND FDIC cert 20776

Designations: ✓ Community bank

Fargo, ND

11 branches across MN · ND

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
  • Deposits +3.3% year over year ($922.6M on the books).
  • Delinquency rate 1.08%.
  • Return on assets 1.31%.
  • Efficiency ratio 63.05% vs a 59.73% peer average.
  • Loan-to-deposit ratio 96.28% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in ND
View $1B-$10B leaderboard (ND) →

Border Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 29.7% in tier
  • - Liquidity Strain: Bottom 36.3% in tier
  • - ROA 0.08% below tier average
  • - Efficiency Ratio 3.32% above tier average
  • - Delinquency Rate 0.22% above tier average
Get updates when Border Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $1.1B
+5.0% YoY -0.4% QoQ
-$1.7B $2.8B
-0.6% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
Bottom 5.5% in tier
Total Loans ? $888.3M
+5.5% YoY -0.6% QoQ
-$1.1B $2.0B
-0.3% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $922.6M
+3.3% YoY +0.8% QoQ
-$1.4B $2.3B
-0.5% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
Bottom 9.7% in tier
Return on Assets ? 1.31%
+90.3% YoY +15.9% QoQ
-0.08% 1.39%
+17.0% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 4.00%
+13.9% YoY +5.1% QoQ
+0.13% 3.87%
+6.2% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 63.05%
-16.4% YoY -3.0% QoQ
+3.32% 59.73%
-12.6% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 1.08%
-20.6% YoY -48.1% QoQ
+0.22% 0.87%
+11.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 96.28%
+2.1% YoY -1.3% QoQ
+11.24% 85.04%
-0.1% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 21.88%
-0.2% YoY +1.4% QoQ
+0.61% 21.27%
-1.5% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 1.03%
-17.1% YoY -45.2% QoQ
+0.36% 0.67%
+11.7% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 10.54%
+4.2% YoY +3.1% QoQ
-4.31% 14.84%
-0.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Bottom 10.8% in tier
Non-Interest Income / Assets ? 0.28%
+4.9% YoY +132.0% QoQ
-0.25% 0.53%
+2.5% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 21.9%
0.0pp YoY
+0.3pp QoQ
 +0.5pp 21.4% 21.6% 22.2% 60%
Brokered Deposits 6.8%
+1.3pp YoY
-0.3pp QoQ
 -2.7pp 9.5% 6.0% 8.5% 58%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 14.4%
-0.1pp YoY
+0.2pp QoQ
 +0.4pp 14.0% 12.9% 12.5% 65%
CRE 42.0%
+1.1pp YoY
-0.9pp QoQ
 -8.0pp 50.0% 29.0% 41.4% 29%
1-4 Family 15.4%
+1.1pp YoY
+0.2pp QoQ
 -11.0pp 26.4% 12.3% 31.3% 32%
Consumer 3.4%
-0.6pp YoY
0.0pp QoQ
 -1.3pp 4.7% 4.5% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio 10.5%
+0.4pp YoY
+0.3pp QoQ
 -5.1pp 15.6% 15.3% 19.7% 3%
Leverage Ratio 9.1%
+0.3pp YoY
+0.1pp QoQ
 -2.2pp 11.3% 10.7% 12.6% 13%
Total Capital Ratio 11.8%
+0.4pp YoY
+0.3pp QoQ
 -4.9pp 16.7% 16.3% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 143
-6 (-4.0%) YoY
+2 (+1.4%) QoQ
 -171 313 138 482 20%
Assets per Employee ($) $7.4M
+9.4% YoY
-1.8% QoQ
 -$3.1M $10.5M $8.3M $8.8M 29%
Branch Count 11
0 YoY
0 QoQ
 -9 20 7 18 35%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.1pp 0.2% 0.5% 0.4% 61%
Nonaccrual 1.0%
-0.3pp YoY
-1.1pp QoQ
 +0.2pp 0.8% 0.7% 1.0% 75%
Allowance Coverage 1.38x
+42.3% YoY
+103.4% QoQ
 -17.34x 18.71x 73.79x 20.23x 35%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 68%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 14.7%
+6.6pp YoY
+1.9pp QoQ
 +2.1pp 12.6% 16.0% 11.6% 71%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.7% 1.7% 61%
Net Income ($, YTD) $6.9M
+103.3% YoY
— QoQ
 -$12.3M $19.2M $7.0M $40.4M 23%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#67 of 222 • Bottom 29.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.54%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#132 of 361 • Bottom 36.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 96.28%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

837
Total Assets
size
Value: $1.06B
Peer Median: $2.79B
#837 of 885 Bottom 5.5% in $1B-$10B
800
Total Deposits
size
Value: $922.62M
Peer Median: $2.32B
#800 of 885 Bottom 9.7% in $1B-$10B
790
Tier 1 Capital Ratio
capital
Value: 10.54%
Peer Median: 14.84%
#790 of 885 Bottom 10.8% in $1B-$10B
699
Nonperforming Asset Ratio
credit_quality
Value: 1.03%
Peer Median: 0.67%
#699 of 885 Bottom 21.1% in $1B-$10B
689
Loan-to-Deposit Ratio
liquidity
Value: 96.28%
Peer Median: 85.04%
#689 of 885 Bottom 22.3% in $1B-$10B
685
Total Loans
size
Value: $888.26M
Peer Median: $1.96B
#685 of 885 Bottom 22.7% in $1B-$10B
663
Delinquency Rate
credit_quality
Value: 1.08%
Peer Median: 0.87%
#663 of 882 Bottom 24.9% in $1B-$10B
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