State Hub
Banks in North Dakota
All FDIC-insured banks headquartered in North Dakota
Every FDIC-insured commercial bank headquartered in North Dakota, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. Click any bank for the full performance profile.
North Dakota is home to 62 FDIC-insured banks headquartered in the state, with $65.18B in combined assets and $56.16B in deposits. The largest is Bell Bank ($14.82B) — about 23% of the group's total banking assets , followed by Choice Financial Group and First International Bank and Trust . Across these banks, the asset-weighted return on assets is 1.28% and the median CET1 capital ratio is 13.83% .
Banks
62
Total Assets
$65.18B
Total Deposits
$56.16B
Avg ROA
1.28%
Median CET1
13.83%
Largest by Assets
| Bank | HQ | Assets | ROA | NIM | Eff. | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|---|---|
| BELL BANK | FARGO , ND | $14.82B | 0.95% | 2.77% | 71.2% | 11.51% | 1.01% | 8.3% |
| CHOICE FINANCIAL GROUP | FARGO , ND | $6.13B | 1.29% | 3.24% | 57.0% | — | 1.78% | 8.1% |
| FIRST INTERNATIONAL BANK AND TRUST | WATFORD CITY , ND | $6.05B | 1.30% | 3.98% | 67.5% | 11.13% | 1.88% | 19.6% |
| ALERUS FINANCIAL, NATIONAL ASSOCIATION | GRAND FORKS , ND | $5.28B | 1.83% | 3.71% | 62.8% | 10.75% | 1.32% | 10.6% |
| GATE CITY BANK | FARGO , ND | $4.03B | 0.83% | 3.58% | 75.2% | — | 0.68% | 5.7% |
| BRAVERA BANK | DICKINSON , ND | $3.88B | 1.24% | 3.53% | 58.3% | 11.88% | 1.38% | 10.4% |
| WESTERN STATE BANK | DEVILS LAKE , ND | $2.59B | 2.01% | 5.09% | 47.3% | 14.28% | 0.84% | 5.2% |
| FIRST WESTERN BANK AND TRUST | MINOT , ND | $2.32B | 0.94% | 3.78% | 64.1% | — | 1.55% | 19.3% |
| STARION BANK | BISMARCK , ND | $2.14B | 1.09% | 2.86% | 64.5% | 13.86% | 0.95% | 6.8% |
| CORNERSTONE BANK | FARGO , ND | $1.75B | 1.27% | 3.98% | 56.3% | 11.46% | 1.59% | 12.9% |
| DAKOTA COMMUNITY BANK & TRUST, NATIONAL ASSOCIATION | HEBRON , ND | $1.39B | 1.77% | 3.48% | 51.8% | 13.83% | 0.09% | 0.6% |
| BANK FORWARD | FARGO , ND | $1.18B | 1.77% | 3.47% | 66.3% | — | 1.91% | 14.9% |
| BORDER BANK | FARGO , ND | $1.06B | 1.12% | 3.80% | 64.7% | 10.22% | 2.65% | 25.4% |
| AMERICAN FEDERAL BANK | FARGO , ND | $764.4M | 0.90% | 3.90% | 78.0% | 12.93% | 0.11% | 0.9% |
| FIRST UNITED BANK | PARK RIVER , ND | $739.6M | 1.37% | 3.72% | 60.4% | — | 0.06% | 1.3% |
| UNITED VALLEY BANK | CAVALIER , ND | $723.0M | 0.86% | 3.43% | 68.8% | — | 0.33% | 2.3% |
| BANKNORTH | ARTHUR , ND | $669.2M | 1.75% | 5.00% | 58.6% | 10.54% | 0.43% | 3.4% |
| AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON | WILLISTON , ND | $660.5M | 2.38% | 3.26% | 46.1% | 22.11% | 1.17% | 8.2% |
| UNISON BANK | JAMESTOWN , ND | $596.1M | 1.05% | 3.72% | 64.8% | 12.28% | 0.41% | 3.9% |
| KODABANK | DRAYTON , ND | $567.3M | 1.53% | 3.72% | 54.6% | — | 0.30% | 2.7% |
| FIRST STATE BANK & TRUST | WILLISTON , ND | $539.7M | 1.57% | 3.27% | 55.4% | 28.86% | 0.00% | 0.0% |
| DAKOTA HERITAGE BANK | HUNTER , ND | $418.3M | 2.02% | 4.13% | 46.4% | — | 1.25% | 15.5% |
| FIRST STATE BANK | BUXTON , ND | $413.4M | 2.15% | 3.87% | 46.8% | — | 0.30% | 2.4% |
| BANK OF TIOGA, THE | TIOGA , ND | $413.0M | 2.65% | 2.34% | 31.6% | 15.64% | 1.06% | 19.0% |
| DAKOTA WESTERN BANK | BOWMAN , ND | $412.0M | 1.99% | 3.81% | 43.7% | 15.22% | 0.78% | 5.1% |
| KIRKWOOD BANK AND TRUST COMPANY | BISMARCK , ND | $361.7M | 1.60% | 3.51% | 58.6% | — | 0.00% | 0.0% |
| STOCK GROWERS BANK | FORMAN , ND | $334.8M | 1.48% | 3.21% | 44.5% | — | 0.09% | 3.1% |
| UNION BANK, THE | BEULAH , ND | $325.4M | 1.70% | 4.22% | 66.0% | — | 1.45% | 9.7% |
| TRUCOMMUNITY BANK | GARRISON , ND | $321.0M | 1.27% | 4.27% | 63.5% | — | 1.26% | 10.5% |
| VISIONBank | Fargo , ND | $302.6M | 0.32% | 4.39% | 56.8% | 9.92% | 1.03% | 13.7% |
| SECURITY FIRST BANK OF NORTH DAKOTA | NEW SALEM , ND | $296.6M | 1.82% | 4.62% | 60.9% | — | 1.09% | 6.1% |
| MERCHANTS BANK | RUGBY , ND | $257.6M | 1.39% | 3.98% | 52.0% | 14.91% | 1.21% | 7.8% |
| UNION STATE BANK OF HAZEN | HAZEN , ND | $251.8M | 1.13% | 3.64% | 68.2% | — | 0.82% | 6.4% |
| PEOPLES STATE BANK OF VELVA | VELVA , ND | $206.1M | 1.43% | 3.89% | 59.2% | 12.74% | 0.21% | 1.5% |
| HORIZON FINANCIAL BANK | MUNICH , ND | $202.2M | 0.91% | 3.85% | 65.7% | — | 0.01% | 12.5% |
| STATE BANK & TRUST OF KENMARE | KENMARE , ND | $197.7M | 0.95% | 2.76% | 60.4% | 16.32% | 1.76% | 10.6% |
| FIRST NATIONAL BANK AND TRUST COMPANY OF BOTTINEAU | BOTTINEAU , ND | $179.8M | 1.34% | 3.69% | 54.6% | — | 0.45% | 1.6% |
| GOOSE RIVER BANK, THE | MAYVILLE , ND | $179.2M | 1.01% | 4.31% | 75.6% | — | 1.89% | 14.5% |
| LIBERTY STATE BANK | POWERS LAKE , ND | $163.7M | 1.78% | 3.07% | 32.5% | — | 0.02% | 0.7% |
| COMMERCIAL BANK OF MOTT | MOTT , ND | $145.7M | 1.69% | 3.01% | 44.5% | — | 0.00% | 0.0% |
| FARMERS AND MERCHANTS STATE BANK | LANGDON , ND | $140.1M | 1.42% | 3.37% | 51.9% | — | 0.00% | 17.8% |
| LINCOLN STATE BANK | HANKINSON , ND | $125.4M | 1.01% | 3.52% | 69.7% | — | 0.33% | 2.1% |
| FARMERS & MERCHANTS BANK OF NORTH DAKOTA | TOLNA , ND | $124.0M | 0.61% | 3.13% | 77.8% | 19.17% | 2.16% | 8.8% |
| MCINTOSH COUNTY BANK | ASHLEY , ND | $121.2M | 1.67% | 3.68% | 54.9% | 13.83% | 0.38% | 1.8% |
| FIRST STATE BANK OF GOLVA | GOLVA , ND | $120.9M | 2.29% | 3.84% | 38.9% | 15.37% | 3.03% | 17.2% |
| STATE BANK OF BOTTINEAU | BOTTINEAU , ND | $116.9M | 1.17% | 3.92% | 67.1% | 10.32% | 0.00% | 0.0% |
| TURTLE MOUNTAIN STATE BANK | BELCOURT , ND | $111.4M | 1.85% | 4.16% | 56.9% | — | 1.13% | 3.6% |
| STRASBURG STATE BANK | STRASBURG , ND | $109.0M | 1.15% | 3.16% | 53.2% | 12.70% | 0.00% | 0.0% |
| FIRST STATE BANK OF HARVEY | HARVEY , ND | $100.4M | 0.97% | 2.85% | 65.4% | — | 0.00% | 5.7% |
| BANK OF HAZELTON | HAZELTON , ND | $84.6M | 1.87% | 3.62% | 46.8% | — | 0.00% | 0.0% |
| CITIZENS STATE BANK AT MOHALL, THE | MOHALL , ND | $84.1M | 1.14% | 3.83% | 69.4% | 14.56% | 0.45% | 3.2% |
| HEARTLAND STATE BANK | EDGELEY , ND | $77.6M | 0.45% | 2.93% | 82.1% | — | 3.46% | 14.2% |
| CITIZENS STATE BANK OF LANKIN | LANKIN , ND | $76.9M | 0.82% | 4.70% | 62.8% | — | 1.04% | 9.1% |
| FIRST SECURITY BANK - WEST | BEULAH , ND | $74.1M | 0.40% | 3.40% | 66.2% | 41.65% | 2.44% | 20.7% |
| First State Bank of Cando | Cando , ND | $73.8M | 0.94% | 3.28% | 64.8% | 24.00% | 0.70% | 2.9% |
| PEOPLES STATE BANK | WESTHOPE , ND | $70.6M | 1.16% | 3.79% | 67.1% | — | 0.00% | 0.0% |
| STATE BANK OF LAKOTA | LAKOTA , ND | $66.3M | 1.41% | 3.65% | 58.9% | 15.09% | 0.38% | 2.4% |
| ASPIRE BANK | FARGO , ND | $61.9M | 1.09% | 4.40% | 65.4% | — | 0.00% | 0.0% |
| ROLETTE STATE BANK | ROLETTE , ND | $52.5M | 1.42% | 4.36% | 65.1% | — | 0.75% | 4.5% |
| GRANT COUNTY STATE BANK | CARSON , ND | $47.6M | 1.25% | 3.90% | 67.3% | — | 0.00% | 0.0% |
| KINDRED STATE BANK | KINDRED , ND | $47.1M | 1.44% | 3.75% | 63.2% | 15.33% | 0.19% | 1.1% |
| PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA | FAIRMOUNT , ND | $40.1M | 0.92% | 4.28% | 70.0% | 11.32% | 0.00% | 0.0% |
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North Dakota bank rankings
See North Dakota banks ranked by the metrics that matter — size, profitability, capital, asset quality, and funding.
Largest North Dakota banks by assets Largest by deposits Highest ROA (return on assets) Highest ROE (return on equity) Highest net interest margin Highest CET1 capital ratio Highest leverage ratio Lowest Texas Ratio (safest) Highest Texas Ratio (riskiest) Highest uninsured-deposit ratio Highest loan-to-deposit ratio Most efficient (lowest efficiency ratio)
Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.
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