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Capital · North Dakota

US Banks with Highest CET1 Capital Ratio in North Dakota

Ranked among banks headquartered in North Dakota. Re-ranked 1-25 within the state from the same national ranking population.

#1 CET1 Capital Ratio: FIRST STATE BANK & TRUST — 28.86% . The Common Equity Tier 1 (CET1) ratio is the most-watched US bank capital metric, measuring common equity against risk-weighted assets.

Ranked: 25 banks with reported data Showing: Top 25 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry
# Bank HQ US Banks with … Total Assets
1 First State Bank & Trust Williston , ND 28.86% $539.7M
2 American State Bank & Trust Company of Williston Williston , ND 22.11% $660.5M
3 Farmers & Merchants Bank of North Dakota Tolna , ND 19.17% $124.0M
4 State Bank & Trust of Kenmare Kenmare , ND 16.32% $197.7M
5 Bank of Tioga, the Tioga , ND 15.64% $413.0M
6 First State Bank of Golva Golva , ND 15.37% $120.9M
7 Dakota Western Bank Bowman , ND 15.23% $412.0M
8 Merchants Bank Rugby , ND 14.91% $257.6M
9 Western State Bank Devils Lake , ND 14.28% $2.59B
10 Starion Bank Bismarck , ND 13.86% $2.14B
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11 Mcintosh County Bank Ashley , ND 13.83% $121.2M
12 Dakota Community Bank & Trust, N.A. Hebron , ND 13.83% $1.39B
13 American Federal Bank Fargo , ND 12.93% $764.4M
14 Peoples State Bank of Velva Velva , ND 12.74% $206.1M
15 Strasburg State Bank Strasburg , ND 12.70% $109.0M
16 Unison Bank Jamestown , ND 12.28% $596.1M
17 Bravera Bank Dickinson , ND 11.88% $3.88B
18 Bell Bank Fargo , ND 11.51% $14.82B
19 Cornerstone Bank Fargo , ND 11.46% $1.75B
20 First International Bank and Trust Watford City , ND 11.13% $6.05B
21 Alerus Financial, N.A. Grand Forks , ND 10.75% $5.28B
22 Banknorth Arthur , ND 10.54% $669.2M
23 State Bank of Bottineau Bottineau , ND 10.32% $116.9M
24 Border Bank Fargo , ND 10.22% $1.06B
25 Visionbank Fargo , ND 9.92% $302.6M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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