Alerus Financial (ALRS) risk factors

Item 1A of every Alerus Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

Open ALRS in Gloom →

Alerus Financial's chart, financials and news, free in your browser.Open ALRS in Gloom →

FY2025 10-K risk factors
76 risks4 dropped11 reworded
The 2025 consumer price index change was updated to 2.7%, and the securities portfolio value decreased to $742.1 million.
Filed Mar 04, 2026
FY2024 10-K risk factors
80 risks
Interest rate fluctuations and credit risk in commercial real estate drive Alerus Financial's risk profile. Geographic concentration in North Dakota, Minnesota, and Arizona exposes the bank to regional downturns. Retirement and benefit services fee income relies heavily on assets under administration and management.
Filed Mar 14, 2025