Alerus Financial Corporation, through its subsidiary, Alerus Financial, National Association, delivers a broad array of financial services catering to both businesses and consumers. It operates across four primary segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. The company provides a diverse range of deposit products, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, checking accounts, and certificates of deposit. Additionally, its treasury management offerings encompass electronic receivables management, remote deposit capture, cash vault services, merchant services, and other cash management solutions. Alerus also extends commercial loans, business term loans, lines of credit, and commercial real estate loans, alongside construction and land development loans. Consumer lending products feature residential first mortgage loans, installment loans, lines of credit, and second mortgage loans. Beyond lending, the firm delivers retirement plan administration, investment advisory services, employee stock ownership plans, fiduciary services, payroll solutions, and health savings accounts, as well as individual retirement accounts. Its offerings include financial planning, investment management, personal and corporate trust services, estate administration, and custody services. Furthermore, the company provides debit and credit cards, online and mobile banking, payment solutions, private banking, payroll accounts, and flexible spending account administration. Alerus Financial Corporation, operating through fourteen offices across North Dakota, Minnesota, and Arizona, also offers retirement and benefit plans in 50 states through offices in Michigan, Minnesota, and Colorado. The net total of other income and expenses is $0.00 reflecting non-core financial activities. The operating income ratio is 0.11 indicating the company's operational profitability margin. The company reported an income before tax of $23,159,000.00 showcasing its pre-tax profitability. The total costs and expenses for the company are $215,872,000.00 reflecting its overall spending. The company reported selling, general, and administrative expenses of $90,560,000.00 indicating its operational overhead costs. In the marketplace, Alerus Financial's stock is affordable at $21.01 making it suitable for budget-conscious investors. It has a low average trading volume of 76,792.00 indicating lower market activity. With a market capitalization of $532,933,357.00 the company is classified as a small-cap player. Alerus is a key player in the Banks - Regional industry, contributing significantly to the overall market landscape, and it belongs to the Financial Services sector, driving innovation and growth. This strategic positioning underscores its commitment to delivering quality financial services while remaining responsive to market trends and opportunities.