Asset Quality ranking · North Dakota · Call report data as of September 30, 2026
North Dakota Banks: Highest CRE Delinquency
First Western Bank and Trust has the highest commercial real estate noncurrent rate of the 28 ranked banks headquartered in North Dakota, at 3.73% as of September 30, 2026. The median among the 28 ranked North Dakota banks is 0.20%, against 0.19% for all US banks.
This list ranks North Dakota banks by commercial real estate noncurrent rate. For the largest banks headquartered in North Dakota, see largest banks in North Dakota.
- No. 1 in North Dakota
- First Western Bank and Trust
- Its CRE noncurrent
- 3.73%
- North Dakota median
- 0.20%
- Banks ranked
- 28
Ranked among banks headquartered in North Dakota, numbered 1 to 28 within the state from the same population as the national list. Browse every bank in the North Dakota bank directory.
Top 28 North Dakota banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the North Dakota median of 0.20%. Missing values show as a dash and sort last.
| 1 | First Western Bank and Trust Minot, ND | 3.73% | $2.39B $1B to $10B |
| 2 | American State Bank & Trust Company of Williston Williston, ND | 2.70% | $626.0M $100M to $1B |
| 3 | First International Bank and Trust Watford City, ND | 2.52% | $6.19B $1B to $10B |
| 4 | Starion Bank Bismarck, ND | 1.89% | $2.03B $1B to $10B |
| 5 | Western State Bank Devils Lake, ND | 1.74% | $2.51B $1B to $10B |
| 6 | Bravera Bank Dickinson, ND | 1.53% | $3.83B $1B to $10B |
| 7 | Gate City Bank Fargo, ND | 1.21% | $4.20B $1B to $10B |
| 8 | The Union Bank Beulah, ND | 1.02% | $330.4M $100M to $1B |
| 9 | Cornerstone Bank Fargo, ND | 0.72% | $1.86B $1B to $10B |
| 10 | Kodabank Drayton, ND | 0.57% | $546.3M $100M to $1B |
| 11 | Choice Financial Group Fargo, ND | 0.53% | $6.41B $1B to $10B |
| 12 | Border Bank Fargo, ND | 0.50% | $1.09B $1B to $10B |
| 13 | Bell Bank Fargo, ND | 0.30% | $15.28B $10B to $100B |
| 14 | First United Bank Park River, ND | 0.22% | $809.6M $100M to $1B |
| 15 | Dakota Community Bank & Trust, N.A. Hebron, ND | 0.18% | $1.38B $1B to $10B |
| 16 | United Valley Bank Cavalier, ND | 0.09% | $768.1M $100M to $1B |
| 17 | Alerus Financial, N.A. Grand Forks, ND | 0.03% | $5.39B $1B to $10B |
| 18 | Bank Forward Fargo, ND | 0.00% | $1.14B $1B to $10B |
| 19 | American Federal Bank Fargo, ND | 0.00% | $825.3M $100M to $1B |
| 20 | Banknorth Arthur, ND | 0.00% | $694.9M $100M to $1B |
| 21 | Unison Bank Jamestown, ND | 0.00% | $580.5M $100M to $1B |
| 22 | First State Bank & Trust Williston, ND | 0.00% | $538.7M $100M to $1B |
| 23 | First State Bank Buxton, ND | 0.00% | $439.6M $100M to $1B |
| 24 | Dakota Heritage Bank Hunter, ND | 0.00% | $428.7M $100M to $1B |
| 25 | The Bank of Tioga Tioga, ND | 0.00% | $391.0M $100M to $1B |
| 26 | Kirkwood Bank and Trust Company Bismarck, ND | 0.00% | $364.0M $100M to $1B |
| 27 | Security First Bank of North Dakota New Salem, ND | 0.00% | $289.3M $100M to $1B |
| 28 | Peoples State Bank of Velva Velva, ND | 0.00% | $212.9M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 28 banks headquartered in North Dakota that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in North Dakota has the highest commercial real estate noncurrent rate?
First Western Bank and Trust has the highest commercial real estate noncurrent rate of the 28 ranked banks headquartered in North Dakota, at 3.73% as of September 30, 2026, according to its FFIEC call report. American State Bank & Trust Company of Williston ranks second at 2.70%. The median is 0.20%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other North Dakota rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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