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Aspire Bank

under $100M Specialty: Commercial ND FDIC cert 3934

Designations: ✓ Community bank

Fargo, ND

2 branches across ND

541 banks in the under $100M peer group nationally 12 in ND
View under $100M leaderboard (ND) →

Aspire Bank has 4 strengths but faces 2 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

  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.48% above tier average
  • + Efficiency Ratio 22.91% below tier average
  • + Delinquency Rate 1.37% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 43.88% above tier average
  • - Non-Interest Income / Assets 0.65% below tier average
Get updates when Aspire Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $61.9M
-6.0% YoY -1.1% QoQ
-$212K $62.2M
-0.6% YoY
$1.1B
+4.5% YoY
$6.2B
+9.1% YoY
48%
Total Loans ? $55.0M
-1.4% YoY +2.5% QoQ
+$20.7M $34.2M
-1.4% YoY
$779.7M
+5.6% YoY
$3.2B
+10.8% YoY
83%
Total Deposits ? $50.9M
-12.5% YoY -0.7% QoQ
-$865K $51.7M
-0.7% YoY
$930.6M
+2.8% YoY
$4.8B
+8.2% YoY
47%
Return on Assets ? 1.06%
+25.9% YoY -4.4% QoQ
+0.22% 0.84%
-2.3% YoY
1.38%
+15.2% YoY
1.23%
+13.4% YoY
56%
Net Interest Margin ? 4.34%
+26.3% YoY +4.7% QoQ
+0.48% 3.86%
+2.8% YoY
3.69%
+5.3% YoY
3.89%
+5.7% YoY
71%
Efficiency Ratio ? 65.44%
-7.5% YoY +2.0% QoQ
-22.91% 88.34%
+0.3% YoY
60.25%
-5.8% YoY
66.95%
-4.1% YoY
64%
Delinquency Rate ? 0.00%
-99.6% YoY
-1.37% 1.37%
+33.8% YoY
0.92%
+20.6% YoY
0.95%
+18.8% YoY
72%
Loan-to-Deposit Ratio ? 108.09%
+12.7% YoY +3.2% QoQ
+43.88% 64.22%
-0.7% YoY
69.27%
+0.4% YoY
76.70%
+0.9% YoY
Bottom 3.7% in tier
Non-Interest-Bearing Deposit Share ? 17.54%
+2.5% YoY -9.7% QoQ
-6.17% 23.71%
+0.3% YoY
22.07%
+2.0% YoY
22.01%
-1.2% YoY
32%
Nonperforming Asset Ratio ? 0.00%
-99.6% YoY
-0.78% 0.79%
+28.2% YoY
0.56%
+12.7% YoY
0.67%
+19.3% YoY
71%
Tier 1 Capital Ratio ? 10.90%
+11.9% YoY +6.7% QoQ
-15.79% 26.68%
+2.0% YoY
13.00%
+1.5% YoY
17.06%
+0.8% YoY
Bottom 12.2% in tier
Non-Interest Income / Assets ? 0.01%
-86.9% YoY -92.9% QoQ
-0.65% 0.67%
+1.9% YoY
0.12%
+7.9% YoY
0.32%
+4.1% YoY
Bottom 6.5% in tier

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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (1 metrics)

91
Total Loans
size
Value: $54.99M
Peer Median: $34.25M
#91 of 541 Top 16.6% in under $100M

Top Weaknesses (3 metrics)

522
Loan-to-Deposit Ratio
liquidity
Value: 108.09%
Peer Median: 64.22%
#522 of 541 Bottom 3.7% in under $100M
507
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.67%
#507 of 541 Bottom 6.5% in under $100M
476
Tier 1 Capital Ratio
capital
Value: 10.90%
Peer Median: 26.68%
#476 of 541 Bottom 12.2% in under $100M
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