# ASPIRE BANK
FARGO, ND · FDIC certificate 3934 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $60.9M | |
| Deposits | $48.8M | |
| Loans and leases | $54.1M | |
| Total equity | $7.3M | |
| Loans / deposits | 109.75% (p97 of band) | 73.59% |
| Liquid assets / assets | 9.36% (p3 of band) | |
| Uninsured deposits / deposits | 27.43% (p75 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.39% (p80 of band) | |
| FHLB advances / assets | 7.39% | |
| Tier 1 leverage | 11.40% (p45 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.04% (p42 of band) | 1.17% |
| Net interest margin | 4.33% (p69 of band) | 3.93% |
| Efficiency ratio | 67.40% (p54 of band) | |
| Noncurrent loans | 0.00% (p24 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 27550.00% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 16.61% (p48 of band) | |
| Auto loans | $714,000 (1.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90 |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | reserve under noncurrent |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 7 | capital falling, deposits shrinking, assets shrinking | wholesale funding >15% |
| 2012-06 | 9 | wholesale funding >15%, charge-offs p90 |  |
| 2012-09 | 6 |  | losing money, capital falling, charge-offs p90 |
| 2012-12 | 4 | uninsured deposits leaving | brokered >10%, reserve under noncurrent, wholesale funding >15% |
| 2013-03 | 4 | losing money | uninsured deposits leaving |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 2 |  | deposits shrinking, assets shrinking |
| 2014-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2014-06 | 3 |  | uninsured deposits leaving |
| 2014-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, capital falling |
| 2014-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 1 | deposits shrinking | expense ratio p90 |
| 2015-06 | 2 | capital falling, uninsured deposits leaving | deposits shrinking |
| 2015-09 | 4 | brokered >10%, wholesale funding >15% |  |
| 2015-12 | 2 |  | uninsured deposits leaving, wholesale funding >15% |
| 2016-03 | 2 |  |  |
| 2016-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 0 |  | capital falling, brokered >10%, noncurrent p90, reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 | reserve under noncurrent | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2018-12 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2019-03 | 3 | capital falling, charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 3 | reserve under noncurrent | expense ratio p90 |
| 2019-09 | 2 |  | reserve under noncurrent |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 1 | uninsured deposits leaving | capital falling |
| 2020-06 | 1 | loans exceed deposits | uninsured deposits leaving |
| 2020-09 | 2 | wholesale funding >15% |  |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 0 |  | loans exceed deposits |
| 2021-06 | 1 | loans exceed deposits |  |
| 2021-09 | 0 |  | loans exceed deposits |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 4 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2023-03 | 5 | reserve under noncurrent |  |
| 2023-06 | 1 |  | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 0 |  | reserve under noncurrent |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2025-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2025-06 | 4 | loans exceed deposits, liquid assets <10%, deposits shrinking, uninsured deposits leaving |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 1 |  | liquid assets <10%, deposits shrinking, uninsured deposits leaving |
| 2026-03 | 5 | liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-06 | 3 |  | assets shrinking, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-31 [Marquis Who's Who Honors Theresa Sorenson for Expertise in Finance, Banking and Entrepreneurship - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNcVZqVDRsY1Z5ejJuTG9uT1NfckY3RDBvZzVoZ01SMmtDMU1iVk5lSHFnVDUwYndMbXJNWWFueS1BcUZHelhTQ21vLWxBRGRzc0NpTnhRbzRnRVpoZ3FQMkYzWjdrYVhJYks2OE5LaENJdGpsNW5CX0lUd1B0a3daUlN1UjlDdmpnZUR5ZjQ0OU1sY2RtbkN5VVVOdXU3LWg4ZlFsQS1pX0FBdHV4VUJCUmZBN0ROMnV3Sm5XcUpsaDJ6OHJVRTRkQVd3N2FCYWdqU1NVSHVPX29vX1BsbVAyQjBB?oc=5) · 24-7 Press Release Newswire
- 2025-07-31 [OSOME AND ASPIRE EMPOWER FOUNDERS TO RECLAIM TIME WITH TECH-DRIVEN INNOVATION - Plataforma Media](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOM3FuZTZXbVA3bGFuWEkwejRnV0p4akdRSWd6VE9aQnJjR0RaVkthZ0Noc1FFYjhrMGY3MkhUaUc3S3Q3V0preHV2WFFwMWtQSG5UX1cxUGwtWHc1bU95UllJM2s4WGx0bG5fcjZ4ekJyVTZLN3Z0ODFvUHVWTmQ0SjIzbGFnenBRLUpjTE9SR3kxeTdVM0t6ZGZHaTFIU2NQR2YyTk5yRkdNSGdWYVRzc3pveDM1WXNuQmt4cS1wc3pVZw?oc=5) · Plataforma Media
- 2021-06-04 [FNB Launches a New Bank Account for its Middle-Income Customers - techafricanews.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQb3FPYy1HOGl6anN5WlBSc0tUOTJjeGNRM3NFakNFSHluTE1HWDFzdUNNaW9zVXh2ZmZIU3Y0Qm1BS3p3ZVBPYWtyVkp1LXNqcV84VE5XdjBtSnc4SFZ1Q1NQTXc0cjRHRXpPamNRYUV0SXdXalItTk14QzJuT3NhSlNERTgxZmNnc0xDZnpHUXdJOXcxcnQ0X2xUdDZaZVZ2T1c3ZA?oc=5) · techafricanews.com
- 2022-03-08 [Mwalimu to end Sh3b Spire stress - People Daily](https://news.google.com/rss/articles/CBMieEFVX3lxTE15d1JxajViQ1JUZmZ5Q2ZQUFF6eHpOS1hWRXo5RUNEVXVLcWxJTnl3ZHMzNjktNXk0Y3ZZQUJjYTNYYmVEZFRwT3FIX2FwRDJhMlJ1MEltSUhXdElQWWZUNE1EWWNXb3BFNmFHSXVndFBremh6RUh0RA?oc=5) · People Daily
- 2021-06-01 [FNB launches new Aspire bank account - IOL](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVmkzd2xPWWd4VHdKaEpwOXVuYm9pWWVwTEFNLVJEZ1NGUmU5R3pYeTd3bFJTUHItUkh0THRMdHprYm9wN2hIb2lzWXhrV2pmeGw5N0VRNjVUeC1CMXMtWGtjeU5NLUdxVUFCX0FyUWNuQ1BfaUxGNVllV1RwRmowOWRwbGZUMDZhWl9lWi0wNWtCaHZ6LVlR?oc=5) · IOL
- 2021-06-01 [FNB expands zero-rating, eBucks for fees - gadget.co.za](https://news.google.com/rss/articles/CBMibkFVX3lxTE1VUmt6WVlOaUhneklTZzRacEtCdXoyNGVnNjJzTnV5eWs5YXJIM3hqSERyNEdiSXNiSmNuZElkcEJDWldmVHpjYndMQmJQb0V1VmxCZG9sSW5aWGhhclJsS3RSeHlJRmJMMElGREtn0gF2QVVfeXFMTS1zZ3ZpWmM3Z01UdGh3ZVUzTEtJbm4xd2RLcFJFN1M3aU5uSENXcl9tSU9wVFVGNThreGRNaVd0UWxqWjEwZTUweDlKUDZvdS0td1dYMl8zQ2cxQVFhU1REdUtUdERtNzg5OThkNUpVeUtTRWp0QQ?oc=5) · gadget.co.za
- 2021-06-07 [FNB launches its new #TheChangeables brand campaign together with refreshed bank cards - Cape Business News](https://news.google.com/rss/articles/CBMiswFBVV95cUxPUGFOejJ2TndMYUtPMFk1OEFyRGx1ak5uQ29Dc3JKaW5CbEtHZjFhZVZDbHJjWC1zTzZZTEo0ZFVxMFdHdU53YVBnUXJsSU02LWdPZThETnFldmpVdEhkempLajY0cDBENDFZUkVfaFFqTGxCbWFpNGlJbWpqZkQ0ZjNqQ1FGZDdIY0pQWVJQYnhpTEYwRXlLeUdMZ3dweWpOMmdCWVZiS0V6cDdEYlZnNF9BUQ?oc=5) · Cape Business News
- 2021-06-08 [FNB launches campaign to boost its image, client base - Cape Argus](https://news.google.com/rss/articles/CBMitAFBVV95cUxPdjIxVEhiOUJndHhiNTB6ODZhWldLcFVoLXZkTDNnUlBPYnBhNVdneVZpbTJPRWRMeWFkd3QyVzUxZFdHUHEtOFhRN1JfX0lFSTFxSXlYNTBadGVkYUNROHUxMTZKdi12d3h3UUVlRnJOU0Q1NmJnYXdQZ0hLVnJiTXdDUml6eWROWmNLcVFfLWxGOGRxOTNaWmVfSGFFbzlaRTZ6MUFYU2RycVV6OWFid0JlMkE?oc=5) · Cape Argus

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3934 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "3934", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide