First State Bank of Golva
Total assets
$123.5M
▲ +8.1% YoY
Deposits
$110.1M
▲ +2.4% YoY
Loans
$52.8M
▲ +17.2% YoY
Offices
3
ROA (annualized)
2.29%
peers 1.24%
ROE (annualized)
36.00%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +17.2% | +5.6% | +11.6 pts |
| ROA | 2.29% | 1.24% | +1.1 pts |
| ROE | 36.0% | 11.9% | +24.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
Profile
- Established
- 1914
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Agricultural Specialization
- Address
- 410 Terrell Ave, Golva, ND, 58632
- County
- Golden Valley
- Offices
- 3
- FDIC cert #
- 10243
- RSSD ID
- 931159
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $123.5M | $110.1M | $52.8M | $7.4M | $1.4M | 2.29% | 3.93% | 1.08% |
| Q1 2026 | $120.9M | $113.0M | $44.2M | $7.5M | $690K | 2.32% | 3.93% | 1.12% |
| Q4 2025 | $117.0M | $108.5M | $45.7M | $8.1M | $2.8M | 2.52% | 4.16% | 1.16% |
| Q3 2025 | $112.4M | $104.9M | $46.0M | $7.0M | $2.1M | 2.48% | 4.17% | 1.21% |
| Q2 2025 | $114.3M | $107.5M | $45.0M | $6.3M | $1.4M | 2.46% | 4.14% | 1.19% |
| Q1 2025 | $112.9M | $106.1M | $42.2M | $6.4M | $697K | 2.53% | 4.21% | 1.11% |
| Q4 2024 | $107.7M | $101.4M | $42.4M | $5.9M | $3.0M | 2.72% | 4.53% | 1.16% |
| Q3 2024 | $107.3M | $100.4M | $45.3M | $6.5M | $2.3M | 2.86% | 4.57% | 1.17% |
Loan mix (Q2 2026): real estate $21.4M · commercial $6.2M · consumer $3.5M · securities $50.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 36.0% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% | 49th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.5% | 62.9% | 4th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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