Trucommunity Bank
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Data as of · sourced from FFIEC call reports. How we update
Trucommunity Bank is an FDIC-insured commercial bank headquartered in Garrison, ND, established in 1935 (FDIC certificate 15306), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $338.2M, up 3.8% from Q2 2025, the 27th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15306
- Headquarters
- Garrison, ND
- Established
- 1935
- Total assets, Q2 2026
- $338.2M
- Assets vs Q2 2025
- +3.8%
- Tier 1 leverage ratio, Q2 2026
- 11.06%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091302720
- Latest call report
- Q2 2026, FFIEC 051 · Trucommunity Bank call report
- Holding company
- MCLEAN BANK HOLDING COMPANY
- Asset rank in state
- 27th of 60 in North Dakota
Problem loans are rising at Trucommunity Bank. Its balance sheet stood at $338 million at June 30, 2026, up 3.8% from a year earlier; it is based in Garrison, North Dakota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.18% of loans from 1.40% a year earlier. It holds commercial real estate loans equal to only 14% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
Its $25 million commercial and industrial book is improving, with 1.27% past due or on nonaccrual, down from 3.62% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.1 million equal 14% of Tier 1 capital, down from 20% a year earlier.
As of June 30, 2026, Trucommunity Bank reported a return on assets of 1.54%, a nonperforming-loan ratio of 2.18% and a Texas ratio of 13.51%. The figures come from its call report filed with the FFIEC.
Trucommunity Bank ranks as the 27th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.4% to $338.2M, loans rose 8.2% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 36.7% of total loans, ahead of agricultural production loans at 29.1%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in ND; its Garrison office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Trucommunity Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 N Main St, Garrison, ND 58540
- County
- Mclean
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- November 2, 1935
- Former names
- Garrison State Bank and Trust (1998-2022); Garrison State Bank (1972-1998)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $282.3M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $330.2M
- Average total loans
- $214.4M
- Average interest-bearing deposits
- $223.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 19, 1935
- FDIC Cert
- 15306
- Fed RSSD
- 808653
- Website
- www.trucommunity.bank →
- Parent Holding Company
- MCLEAN BANK HOLDING COMPANY (RSSD 1126523)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Trucommunity Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Trucommunity Bank's total assets ran between $308.9M (Q4 2024) and $338.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$338.2M total assets against $325.8M; $305.6M total liabilities against $296.1M.
$218.8M net loans and leases against $217.8M; $282.3M total deposits against $273.7M.
$92.2M securities against $90.5M; $10.9M cash and balances due against $9.3M.
$4.3M total interest income against $4.2M; $901K total interest expense against $966K.
$3.4M net interest income against $3.2M.
$289K total noninterest income against $254K; $2.1M total noninterest expense against $2.0M.
$3K provision for credit losses against $0.
$1.3M net income against $1.2M.
1.54% return on assets against 1.44%; 4.38% net interest margin against 4.15%.
11.06% tier 1 leverage ratio against 10.86%.
Inside the full Trucommunity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTrucommunity Bank rankings
Its closest position to the top of a national ranking is 381 of 3,640, for Texas Ratio; its furthest is 2,289 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.90% (Q4 2024) to 1.54% (Q2 2026) and its net interest margin ran from 3.56% (Q3 2024) to 4.38% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.06% | 1.54% | 2.18% | 13.51% | 4.38% |
| Q1 2026 | 10.92% | 1.27% | 1.20% | 7.14% | 4.27% |
| Q4 2025 | 10.77% | 1.31% | 0.81% | 5.06% | 4.17% |
| Q3 2025 | 10.68% | 1.42% | 0.65% | 4.24% | 4.19% |
| Q2 2025 | 10.86% | 1.44% | 1.40% | 9.41% | 4.15% |
| Q1 2025 | 10.95% | 1.24% | 0.42% | 2.63% | 3.94% |
| Q4 2024 | 10.82% | 0.90% | 0.11% | 0.71% | 3.69% |
| Q3 2024 | 10.79% | 1.08% | 0.07% | 0.46% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Trucommunity Bank (main office) | Garrison , ND | 58540 | $135.0M |
| Washburn Branch | Washburn , ND | 58577 | $82.4M |
| Turtle Lake Branch | Turtle Lake , ND | 58575 | $51.2M |
| Max Branch | Max , ND | 58759 | $13.6M |
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 |
|---|---|---|---|
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Farmers Security 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in ND, rank 30 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $103K approved, $103K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Trucommunity Bank
What are Trucommunity Bank's total assets?
As of the Q2 2026 filing, Trucommunity Bank reported total assets of $338.2 million in its FFIEC call report.
Where is Trucommunity Bank headquartered?
It is headquartered in Garrison, ND, United States.
When was Trucommunity Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Trucommunity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trucommunity Bank?
Trucommunity Bank's primary federal regulator is the FDIC.
How many branches does Trucommunity Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Trucommunity Bank's Texas Ratio?
Its Texas Ratio is 13.51% 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 Trucommunity Bank previously called?
The charter now named Trucommunity Bank has also operated as Garrison State Bank and Trust (1998-2022), Garrison State Bank (1972-1998), per FDIC structure-change records.
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