FDIC Cert #20776 · Fargo, North Dakota · Est. 1972

Border Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$1.1B
Total assets
D
Health grade · Weak
0.96%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Border Bank earns a PlainBankData health grade of D (46/100), with 10.00% Tier 1 capital, 0.96% ROA, 71% efficiency ratio.

#990
largest of 4,313 FDIC banks by assets
77th
percentile by asset size, nationally
10.00%
Tier 1 ratio - below the 10% well-capitalized line
40th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 20776 · ND D · 46/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-D D (46/100)
  • BOTTOM-DECILE #4174/4307
  • PHOTO-FINISH Ameristate Bank · OK
  • TIER1-ADEQ 10.0% Tier 1
  • TEXAS-HEALTHY 17.2% Texas
  • ROA-PAR 0.96% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: Ameristate Bank, OK (±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 Border Bank

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

Morgan Stanley Bank,… · UT ·…100/100Ameristate Bank · OK · near46/100Bank of Yates City · IL · ne…46/100BCB Community Bank · NJ · ne…46/100Border Bank · ND · this bank46/100First National Bank… · TX · …46/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Border Bank · July 2026

Plate reading for Border Bank where failures stay rare

Border Bank (FDIC Cert #20776) carries a PlainBankData health grade of D at 46/100, 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 #4,174 of 4,307. Tier 1 capital prints at 10.00%, missing the 10% well-capitalized line. The Texas Ratio is 17.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.96%. Balance-sheet scale is $1.1B, 990th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ameristate Bank (OK), 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 Border Bank

Zero FAILURE resolutions in North Dakota since 2000

Border 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 Border Bank's 46/100 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 avg77/10046/100
Border Bank's composite health score
Tier 1 Capital Ratio (10.00%) 18/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (17.17%) 10/20
Efficiency Ratio (70.66%) 4/15

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

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$913M

Customer-funded liabilities

Net Loans

$890M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.6% 10% 11.4%
Basel III capital ratios - Border Bank

Where Border Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Border Bank's score of 46/100 falls in the highlighted band.

Border Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

46 3rd percentile higher than 3% 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%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Border 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

Border 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). Border Bank's $1.1B falls in the highlighted band.

Safety metrics: Border Bank

Tier 1 capital ratio
Well-capitalized 10%

10.00% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.00%
Texas Ratio
17.17%
Equity Capital
$93M

What these ratios mean →

Profitability metrics: Border Bank

Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
11.23%
Efficiency Ratio
70.66%

What these mean →

Income & expense at Border Bank

$56M
Interest Income
$7M
Non-Interest Income
$30M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Border Bank reports a Texas Ratio of 17.17% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

17.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Border Bank

Border Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 10.00% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Border Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Border 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 ($1.1B here), outside North Dakota so the neighborhood is not state containment.

First National Bank $1.1B · VA Generations Bank $1.1B · AR R Bank $1.1B · TX The Freedom Bank of Virginia $1.1B · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Border Bank (FDIC Cert #20776) - 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.

Border 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%