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Regulatory profile
Watford City, ND · FDIC certificate #10248 · RSSD 236153
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $6.2B | $5.5B | $4.9B | 1.22% | 14.47% | 4.06% |
| 2026-03-31 | $6.0B | $5.3B | $4.7B | 1.27% | 15.10% | 3.91% |
| 2025-12-31 | $6.2B | $5.5B | $4.7B | 1.69% | 20.10% | 4.10% |
| 2025-09-30 | $5.7B | $5.0B | $4.6B | 1.74% | 20.54% | 4.12% |
| 2025-06-30 | $5.5B | $4.8B | $4.5B | 1.91% | 22.62% | 4.07% |
| 2025-03-31 | $5.5B | $4.9B | $4.3B | 2.27% | 26.94% | 4.02% |
| 2024-12-31 | $5.5B | $4.9B | $4.3B | 1.91% | 24.81% | 3.95% |
| 2024-09-30 | $5.4B | $4.8B | $4.4B | 1.59% | 21.02% | 3.87% |
| 2024-06-30 | $5.4B | $4.8B | $4.4B | 1.54% | 20.69% | 3.80% |
| 2024-03-31 | $5.2B | $4.6B | $4.3B | 1.48% | 19.71% | 3.77% |
| 2023-12-31 | $5.2B | $4.5B | $4.2B | 1.56% | 21.74% | 3.88% |
| 2023-09-30 | $5.0B | $4.3B | $4.2B | 1.51% | 21.30% | 3.90% |
| 2023-06-30 | $5.0B | $4.3B | $4.1B | 1.52% | 21.17% | 3.91% |
| 2023-03-31 | $4.9B | $4.3B | $4.0B | 1.58% | 21.81% | 4.00% |
| 2022-12-31 | $4.9B | $4.1B | $4.0B | 1.72% | 24.41% | 4.07% |
| 2022-09-30 | $4.8B | $4.2B | $3.9B | 1.74% | 24.79% | 4.02% |
| 2022-06-30 | $5.1B | $4.7B | $3.7B | 1.50% | 21.02% | 3.83% |
| 2022-03-31 | $5.0B | $4.6B | $3.5B | 1.34% | 18.05% | 3.71% |
| 2021-12-31 | $4.7B | $4.2B | $3.3B | 1.51% | 18.22% | 3.85% |
| 2021-09-30 | $4.7B | $4.2B | $3.1B | 1.59% | 18.99% | 3.88% |
| 2021-06-30 | $4.4B | $3.8B | $3.0B | 1.73% | 20.14% | 4.01% |
| 2021-03-31 | $4.3B | $3.8B | $3.0B | 1.82% | 20.97% | 4.06% |
| 2020-12-31 | $4.2B | $3.6B | $2.8B | 1.64% | 18.30% | 3.97% |
| 2020-09-30 | $4.1B | $3.6B | $2.9B | 1.59% | 17.73% | 4.06% |
| 2020-06-30 | $4.0B | $3.4B | $2.8B | 1.66% | 18.30% | 4.32% |
| 2020-03-31 | $3.6B | $3.1B | $2.5B | 1.29% | 14.08% | 4.02% |
| 2019-12-31 | $3.5B | $3.1B | $2.5B | 1.51% | 16.57% | 4.45% |
| 2019-09-30 | $3.2B | $2.8B | $2.4B | 1.50% | 16.52% | 4.55% |
| 2019-06-30 | $3.1B | $2.7B | $2.3B | 1.38% | 15.58% | 4.54% |
| 2019-03-31 | $3.0B | $2.7B | $2.2B | 1.26% | 14.90% | 4.56% |
| 2018-12-31 | $2.9B | $2.7B | $2.1B | 1.45% | 17.29% | 4.43% |
| 2018-09-30 | $2.8B | $2.6B | $2.0B | 1.52% | 17.87% | 4.37% |
| 2018-06-30 | $2.7B | $2.4B | $1.9B | 1.52% | 17.60% | 4.27% |
| 2018-03-31 | $2.6B | $2.3B | $1.8B | 1.39% | 15.95% | 4.15% |
| 2017-12-31 | $2.5B | $2.2B | $1.8B | 1.44% | 16.14% | 4.39% |
| 2017-09-30 | $2.5B | $2.2B | $1.8B | 1.51% | 16.89% | 4.41% |
| 2017-06-30 | $2.4B | $2.1B | $1.8B | 1.34% | 15.02% | 4.40% |
| 2017-03-31 | $2.3B | $2.0B | $1.7B | 1.45% | 16.34% | 4.39% |
| 2016-12-31 | $2.3B | $2.0B | $1.7B | 1.17% | 12.53% | 4.53% |
| 2016-09-30 | $2.2B | $1.9B | $1.7B | 1.55% | 16.36% | 4.56% |
| 2016-06-30 | $2.2B | $1.9B | $1.7B | 1.36% | 14.49% | 4.56% |
| 2016-03-31 | $2.2B | $1.9B | $1.6B | 0.93% | 9.98% | 4.55% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1135048 · 1985-10-07 to current
2018-04-03RSSD 5214530 → 236153 · code 1
2008-05-31RSSD 203753 → 236153 · code 50
2006-03-11RSSD 988957 → 236153 · code 1
2000-11-10RSSD 2343493 → 236153 · code 1
1993-12-02RSSD 844156 → 236153 · code 1
1990-09-22RSSD 618478 → 236153 · code 50
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.