C
Alerus Financial, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
12.25
Leverage
Ratio
9.31
Return On
Assets
1.37%
Total
Assets
5.32B
Capital
551.25M
Total
Deposits
4.46B
Net
Income
54.15M
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Weiss Ratings Alerus Financial, National Association
Grand Forks, ND 		Click to
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Rating C
Asset Quality Index 4.20
Capitalization Index 7.50
Liquidity Index 2.50
Profitability Index 5.90
Stability Index 7.80
Company Info Alerus Financial, National Association
Grand Forks, ND 		Click to
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FDIC Number 3931
Phone Number (800) 279-3200
Website www.alerus.com
Asset Quality Alerus Financial, National Association
Grand Forks, ND 		Click to
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1-Year Asset Growth 30.68%
5-Year Asset Growth 24.61%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 1.12%
Non-Performing Loans to Capital 10.78%
Non-Performing Loans to Loans 1.45%
Balance Sheet Alerus Financial, National Association
Grand Forks, ND 		Click to
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Total Assets 5.32B
Total Deposits 4.46B
Capital and Reserves Alerus Financial, National Association
Grand Forks, ND 		Click to
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Capital 551.25M
Leverage Ratio 9.31
Loan Loss Reserves to Loans 1.51%
Risk-Based Capital Ratio 12.25
Liquidity Alerus Financial, National Association
Grand Forks, ND 		Click to
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Hot Money Ratio 12.72%
Liquidity Ratio 11.54%
Profitability Alerus Financial, National Association
Grand Forks, ND 		Click to
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5-Year Return on Average Assets 1.19%
Net Income 54.15M
Net Interest Spread 3.42%
Operating Profit to Average Assets 1.79%
Overhead Efficiency Ratio 67.06%
Return on Assets 1.37%
Return on Equity 13.68%