Border Bank
BankRegReports is independent of Border Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Border Bank is an FDIC-insured commercial bank headquartered in Fargo, ND, established in 1972 (FDIC certificate 20776), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.06B, up 5.0% from Q2 2025, the 13th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 10.54% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20776
- Headquarters
- Fargo, ND
- Established
- 1972
- Total assets, Q2 2026
- $1.06B
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 10.54%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 091216133
- Latest call report
- Q2 2026, FFIEC 041 · Border Bank call report
- Holding company
- BORDER BANCSHARES, INC.
- Asset rank in state
- 13th of 60 in North Dakota
Border Bank operates with a thinner capital cushion than most banks of its size. Based in Fargo, North Dakota, it had $1.1 billion in assets at June 30, 2026, up 5.0% from a year earlier. It holds common equity equal to 10.54% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 10.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $3.9 million, 87% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.07% of loans, down from 1.35% a year earlier.
As of June 30, 2026, Border Bank reported a CET1 capital ratio of 10.54%, a return on assets of 1.47%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 10.68%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Border Bank is the 13th largest of the 60 banks headquartered in North Dakota. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $1.06B, loans fell 0.5% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 15.9% of total loans, ahead of agricultural production loans at 15.3%. The FDIC Summary of Deposits lists 11 offices for it, in 10 cities across 2 states; its Fargo 2 offices book 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Border Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4530 17th Ave S, Fargo, ND 58103
- County
- Cass
- Metro Area
- Fargo, ND-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 21, 1972
- Former names
- Union State Bank of Fargo (1974-2020)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 143
- Domestic deposits
- $922.6M
- Allowance for credit losses
- $13.3M
- Net charge-offs (YTD)
- $478K
- Average total assets
- $1.07B
- Average total loans
- $905.5M
- Average interest-bearing deposits
- $726.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 21, 1972
- FDIC Cert
- 20776
- Fed RSSD
- 977951
- SEC CIK
- 1502736 → filed by BORDER BANCSHARES, INC.
- Website
- www.border.bank →
- Parent Holding Company
- BORDER BANCSHARES, INC. (RSSD 2238544)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Border Bank's total assets ranged from $928.8M (Q3 2023) to $1.06B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.06B total assets against $1.01B; $963.7M total liabilities against $923.6M.
$888.3M net loans and leases against $842.1M; $922.6M total deposits against $893.1M.
$100.6M securities against $100.5M; $18.1M cash and balances due against $18.0M.
$15.5M total interest income against $13.9M; $5.1M total interest expense against $5.2M.
$10.4M net interest income against $8.7M.
$1.7M total noninterest income against $1.6M; $7.5M total noninterest expense against $7.5M.
$696K provision for credit losses against $725K.
$3.9M net income against $2.1M.
1.47% return on assets against 0.83%; 4.16% net interest margin against 3.70%.
10.54% CET1 capital ratio against 10.12%; 9.07% tier 1 leverage ratio against 8.82%.
Inside the full Border Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Border Bank rankings
Its closest position to the top of a national ranking is 578 of 3,640, for Texas Ratio; its furthest is 2,042 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.15% (Q4 2024) to 1.47% (Q4 2025) and its net interest margin ran from 3.17% (Q3 2024) to 4.16% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.54% | 1.47% | 1.07% | 10.68% | 4.16% |
| Q1 2026 | 10.22% | 1.12% | 2.06% | 20.09% | 3.80% |
| Q4 2025 | 10.00% | 1.47% | 2.00% | 19.75% | 3.94% |
| Q3 2025 | 9.93% | 0.96% | 2.18% | 21.39% | 3.81% |
| Q2 2025 | 10.12% | 0.83% | 1.35% | 13.97% | 3.70% |
| Q1 2025 | 10.31% | 0.53% | 1.48% | 14.09% | 3.31% |
| Q4 2024 | 10.41% | -0.15% | 1.59% | 15.38% | 3.18% |
| Q3 2024 | 10.43% | 0.72% | 1.38% | 12.88% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Border Bank (main office) | Fargo , ND | 58103 | $211.3M |
| Thief River Falls Branch | Thief River Falls , MN | 56701 | $134.9M |
| Roseau Office Branch | Roseau , MN | 56751 | $97.7M |
| Greenbush Branch | Greenbush , MN | 56726 | $97.0M |
| Baudette Branch | Baudette , MN | 56623 | $93.6M |
| Coon Rapids Branch | Coon Rapids , MN | 55433 | $92.4M |
| International Falls Branch | International Falls , MN | 56649 | $61.1M |
| Clearbrook Branch | Clearbrook , MN | 56634 | $49.3M |
| Middle River Branch | Middle River , MN | 56737 | $42.2M |
| Badger Branch | Badger , MN | 56714 | $28.5M |
| Fargo 32nd Ave Branch | Fargo , ND | 58103 | $14.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2020 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2018 | Structure Change | Acquired First State Bank of Clearbrook Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2016 | Structure Change | Acquired First Advantage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 17, 2005 | Structure Change | Acquired Border State Bank of International Falls Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 11, 2003 | Structure Change | Acquired Border State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 2003 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in ND, rank 35 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 325 applications, 288 loans originated, $73.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Border Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Border Bank
What are Border Bank's total assets?
As of the Q2 2026 filing, Border Bank reported total assets of $1.06 billion in its FFIEC call report.
Where is Border Bank headquartered?
It is headquartered in Fargo, ND, United States.
When was Border Bank founded?
It was established in 1972, per the FDIC institution directory.
Is Border Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20776). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Border Bank?
Border Bank's primary federal regulator is the FDIC.
What is Border Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.54% in its Q2 2026 call report, above regulatory requirements.
How many branches does Border Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Border Bank's Texas Ratio?
Its Texas Ratio is 10.68% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Border Bank previously called?
The charter now named Border Bank has also operated as Union State Bank of Fargo (1974-2020), per FDIC structure-change records.
Go deeper on Border Bank.
Get an email when Border Bank files its next call report, and benchmark it against any peer you choose.
Unlock Border Bank, freeFree account