FDIC Cert #29140 · Fargo, North Dakota · Est. 1891

American Federal Bank - FDIC Bank Health Profile

A community-scale look at American Federal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$783M
Total assets
B
Health grade · Good
1.12%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

American Federal Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.21% Tier 1, profitable at 1.12% ROA, 72% efficiency ratio.

#1,279
largest of 4,313 FDIC banks by assets
70th
percentile by asset size, nationally
12.21%
Tier 1 ratio - above the 10% well-capitalized line
51st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 29140 · ND B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2086/4307
  • PHOTO-FINISH Crossroads Bank · IN
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-PAR 1.12% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: Crossroads Bank, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American Federal Bank

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Federal Bank · ND ·…79/100Colonial Savings, F.A. · TX …79/100Crossroads Bank · IN · near79/100St. Charles Bank & T… · IL ·…79/100STAR Financial Bank · IN · n…79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American Federal Bank · July 2026

Plate reading for American Federal Bank where failures stay rare

American Federal Bank (FDIC Cert #29140) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,086 of 4,307. Tier 1 capital prints at 12.21%, clearing the 10% well-capitalized line. The Texas Ratio is 0.13%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.12%. Balance-sheet scale is $783M, 1,279th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Crossroads Bank (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American Federal Bank

Zero FAILURE resolutions in North Dakota since 2000

American Federal Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How American Federal Bank's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
American Federal Bank's composite health score
Tier 1 Capital Ratio (12.21%) 35/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (0.13%) 20/20
Efficiency Ratio (72.26%) 4/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$783M

Total balance-sheet footings

Total Deposits

$632M

Customer-funded liabilities

Net Loans

$664M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.81% 12.21% 13.61%
Basel III capital ratios - American Federal Bank

Where American Federal Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Federal Bank's score of 79/100 falls in the highlighted band.

American Federal Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 48% higher than 52% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. American Federal Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American Federal Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Federal Bank's $783M falls in the highlighted band.

Safety metrics: American Federal Bank

Tier 1 capital ratio
Well-capitalized 10%

12.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.21%
Texas Ratio
0.13%
Equity Capital
$67M

What these ratios mean →

Earnings posture at American Federal Bank

Return on Assets (ROA)
51st percentile nationally
1.12%
Return on Equity (ROE)
12.34%
Efficiency Ratio
72.26%

What these mean →

Income & expense at American Federal Bank

$42M
Interest Income
$4M
Non-Interest Income
$23M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American Federal Bank reports a Texas Ratio of 0.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American Federal Bank on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($783M here), outside North Dakota so the neighborhood is not state containment.

Platte Valley Bank $783M · WY Axiom Bank $784M · FL Peach State Bank & Trust $786M · GA BAC Community Bank $786M · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Federal Bank (FDIC Cert #29140) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

American Federal Bank Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%