Aspire Bank (FDIC certificate #3934) is based in Fargo, North Dakota. Its Q2 2026 call report shows $60.9M in total assets and $48.8M in deposits and 2 offices.
Aspire Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 45% of its 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 29th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (36/100, 110% loans-to-deposits, 27% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (59 → 72), mostly because the loan quality component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 54 |
| Q4 2024 | 54 |
| Q1 2025 | 58 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.88% |
| Q3 2024 | 9.24% |
| Q4 2024 | 9.62% |
| Q1 2025 | 9.74% |
| Q2 2025 | 9.93% |
| Q3 2025 | 9.96% |
| Q4 2025 | 10.22% |
| Q1 2026 | 10.90% |
| Q2 2026 | 11.40% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.84% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $60.9M | 11.40% | 0.00% | 1.04% | 109.8% |
| Q1 2026 | 71 | $61.9M | 10.90% | 0.00% | 1.06% | 108.1% |
| Q4 2025 | 69 | $62.6M | 10.22% | 0.00% | 1.11% | 104.7% |
| Q3 2025 | 60 | $61.3M | 9.96% | 0.89% | 1.10% | 110.9% |
| Q2 2025 | 59 | $63.6M | 9.93% | 0.86% | 1.03% | 109.3% |
| Q1 2025 | 58 | $65.9M | 9.74% | 0.87% | 0.84% | 95.9% |
| Q4 2024 | 54 | $61.5M | 9.62% | 0.86% | 0.44% | 101.2% |
| Q3 2024 | 54 | $64.5M | 9.24% | 0.85% | 0.56% | 96.9% |
| Q2 2024 | 52 | $66.8M | 8.88% | 0.90% | 0.42% | 92.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of LakotaBank Lakota, ND | 71 out of 100, Strong | $64.2M | 9.6% | 0.49% | vs |
| Peoples State BankBank Westhope, ND | 87 out of 100, Very strong | $69.9M | 13.5% | 0.00% | vs |
| Rolette State BankBank Rolette, ND | 78 out of 100, Strong | $51.5M | 9.9% | 0.04% | vs |
| Citizens State Bank of LankinBank Lankin, ND | 57 out of 100, Moderate | $72.1M | 10.1% | 1.58% | vs |
| Grant County State BankBank Carson, ND | 91 out of 100, Very strong | $46.7M | 13.9% | 0.00% | vs |
| First Security Bank - WestBank Beulah, ND | 55 out of 100, Moderate | $75.2M | 12.9% | 4.65% | vs |
Deposit insurance
Is my money safe at Aspire Bank?
Yes. Aspire Bank is an FDIC-insured institution (FDIC certificate #3934). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.4% of deposits ($13.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Aspire Bank lists 2 offices in 2 cities. Most locations:
- Fargo, ND (1)
- Hatton, ND (1)
Identity & history
Profile
- Legal name
- Aspire Bank
- Former names
- The Farmers and Merchants National Bank of Hatton; Aspire Financial; Aspire Financial, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 3934
- RSSD ID
- 668053
- Primary regulator
- FDIC
- Holding company
- Aspire Bancshares Inc
- Established
- September 19, 1905
- Headquarters
- 5195 45th St S, Fargo, ND 58104
- Website
- aspirebanks.com
- Employees
- 11
Quick answers
Aspire Bank: common questions
Is Aspire Bank FDIC insured?
Yes. Aspire Bank is an FDIC-insured institution (FDIC certificate #3934). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Aspire Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Aspire Bank ever failed?
There is no failure record for FDIC certificate #3934 in the FDIC failed bank list.
How many branches does Aspire Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fargo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fargo VA Federal Credit UnionCredit union Fargo, ND | 84 out of 100, Strong | $14.1M | 12.6% | 0.00% | vs |
| Valley Premier BankBank Hawley, MN | 81 out of 100, Strong | $141.0M | 11.1% | 0.00% | vs |
| Fargo Public Schools Federal Credit UnionCredit union Fargo, ND | 80 out of 100, Strong | $58.2M | 12.2% | 0.01% | vs |
| F.F.E. Federal Credit UnionCredit union Fargo, ND | 79 out of 100, Strong | $3.8M | 13.5% | 0.00% | vs |
| Western State BankBank Devils Lake, ND | 78 out of 100, Strong | $2.5B | 13.2% | 0.90% | vs |
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |