Financial strength ranking · North Dakota · Call Report data as of Q2 2026

Best Banks in North Dakota by Financial Strength

First State Bank & Trust ranks first among the 47 banks headquartered in North Dakota we score, with a financial strength score of 85.3 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: First State Bank & Trust
Its score: 85.3 of 100
Banks scored in North Dakota: 47
Its return on assets: 1.91%

Every scored bank in North Dakota

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in North Dakota ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	First State Bank & Trust Williston	85.3	1.91%	47.58%	15.38%	0.00%	$542.6M
2	Commercial Bank of Mott Mott	85.3	1.80%	40.46%	13.10%	0.00%	$140.0M
3	Liberty State Bank Powers Lake	84.5	1.84%	31.57%	13.66%	0.03%	$159.0M
4	Stock Growers Bank Forman	78.7	1.79%	37.72%	11.56%	0.03%	$332.9M
5	Turtle Mountain State Bank Belcourt	74.1	2.81%	39.91%	12.85%	0.63%	$114.1M
6	First State Bank Buxton	73.6	2.06%	46.67%	9.83%	0.00%	$424.2M
7	Dakota Western Bank Bowman	69.0	2.25%	42.12%	11.57%	0.61%	$416.2M
8	Western State Bank Devils Lake	68.3	2.02%	46.68%	13.19%	0.82%	$2.49B
9	American State Bank & Trust Company of Williston Williston	68.0	2.72%	43.59%	12.06%	0.97%	$643.5M
10	First United Bank Park River	67.8	1.97%	50.54%	10.13%	0.09%	$810.8M
11	Farmers and Merchants State Bank Langdon	67.5	1.71%	45.31%	15.70%	1.05%	$143.1M
12	Kirkwood Bank and Trust Company Bismarck	66.6	1.89%	56.81%	9.91%	0.00%	$351.3M
13	McIntosh County Bank Ashley	66.2	1.49%	56.34%	11.01%	0.00%	$118.7M
14	Dakota Community Bank & Trust, N.A. Hebron	63.3	1.89%	49.97%	9.07%	0.05%	$1.39B
15	Kodabank Drayton	63.1	1.83%	51.50%	10.28%	0.23%	$559.8M
16	First National Bank and Trust Company of Bottineau Bottineau	61.7	1.19%	52.15%	13.60%	0.36%	$175.9M
17	Banknorth Arthur	61.4	2.18%	50.50%	10.32%	0.51%	$694.1M
18	Peoples State Bank of Velva Velva	60.6	1.74%	52.78%	9.31%	0.07%	$210.0M
19	Security First Bank of North Dakota New Salem	58.4	1.92%	61.57%	12.99%	0.74%	$293.2M
20	Merchants Bank Rugby	57.2	1.65%	41.81%	10.56%	0.93%	$254.3M
21	Choice Financial Group Fargo	56.5	1.32%	52.35%	10.84%	0.35%	$6.38B
22	Strasburg State Bank Strasburg	55.0	1.17%	52.27%	8.67%	0.00%	$104.2M
23	Unison Bank Jamestown	54.5	1.47%	52.89%	10.02%	0.33%	$596.9M
24	First State Bank of Golva Golva	54.0	2.27%	40.39%	9.02%	1.08%	$123.5M
25	United Valley Bank Cavalier	53.3	1.32%	62.64%	10.50%	0.10%	$751.6M
26	Dakota Heritage Bank Hunter	51.6	1.91%	48.30%	9.83%	1.35%	$416.8M
27	Trucommunity Bank Garrison	49.1	1.54%	55.33%	11.06%	1.43%	$338.2M
28	State Bank & Trust of Kenmare Kenmare	48.4	1.32%	48.54%	9.25%	0.46%	$201.1M
29	Alerus Financial, N.A. Grand Forks	48.0	1.76%	60.11%	9.26%	0.38%	$5.28B
30	Bravera Bank Dickinson	47.7	1.47%	53.22%	9.73%	0.68%	$3.81B
31	American Federal Bank Fargo	46.5	1.23%	70.49%	9.32%	0.00%	$795.8M
32	Farmers & Merchants Bank of North Dakota Tolna	44.8	1.09%	65.96%	10.99%	0.29%	$119.8M
33	Lincoln State Bank Hankinson	44.2	1.09%	67.93%	10.01%	0.08%	$125.1M
34	Bank Forward Fargo	43.8	1.66%	65.04%	10.17%	0.71%	$1.13B
35	The Goose River Bank Mayville	42.7	1.39%	64.26%	11.48%	1.28%	$173.4M
36	State Bank of Bottineau Bottineau	42.5	1.26%	66.59%	8.46%	0.05%	$117.2M
37	Border Bank Fargo	36.1	1.47%	60.98%	9.07%	1.03%	$1.06B
38	Horizon Financial Bank Munich	35.7	1.02%	63.71%	10.78%	1.01%	$201.0M
39	Cornerstone Bank Fargo	35.0	1.23%	57.48%	9.63%	1.73%	$1.85B
40	The Union Bank Beulah	34.5	1.06%	63.24%	10.12%	0.86%	$312.2M
41	Starion Bank Bismarck	31.6	1.14%	63.94%	9.45%	0.89%	$2.10B
42	Union State Bank of Hazen Hazen	30.1	1.02%	64.56%	8.96%	0.59%	$257.4M
43	Bell Bank Fargo	28.7	0.92%	69.39%	9.98%	0.79%	$15.18B
44	Gate City Bank Fargo	28.2	0.88%	73.83%	9.85%	0.53%	$4.04B
45	First Western Bank and Trust Minot	26.0	0.99%	64.61%	9.61%	1.75%	$2.39B
46	First International Bank and Trust Watford City	23.1	1.17%	72.05%	9.06%	1.46%	$6.18B
47	The Bank of Tioga Tioga	21.6	0.05%	77.63%	9.39%	0.38%	$412.1M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in North Dakota?

By our financial strength score, First State Bank & Trust of Williston ranks first among the 47 scored banks headquartered in North Dakota, scoring 85.3 out of 100 for Q2 2026: return on assets of 1.91%, an efficiency ratio of 47.58%, a Tier 1 leverage ratio of 15.38% and nonperforming assets of 0.00% of total assets. Commercial Bank of Mott and Liberty State Bank rank second and third.

How are the best banks in North Dakota ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in North Dakota

Largest banks in North Dakota Bank deposits in North Dakota Largest credit unions in North Dakota Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.