Total Assets
$1.1B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$913M
Customer-funded liabilities
Net Loans
$890M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
11.23%
Efficiency Ratio
70.66%
What the numbers say about Border Bank
Border Bank is an FDIC-insured institution (Certificate #20776) headquartered in Fargo, North Dakota, established in 1972. It holds $1.1B in total assets - 990th of 4,313 FDIC-insured banks, $913M in customer deposits, and $890M in net loans. Capital-wise, the Tier 1 ratio sits at 10.00%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 17.17%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (46 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Border Bank sits 13th of 61 banks headquartered in North Dakota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in North Dakota by total assets
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.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Border Bank's health grade?▼
Border Bank receives a health grade of D (46/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Border Bank?▼
Border Bank holds $1.1B in total assets and $913M in deposits, ranking 990th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fargo, North Dakota.
Is my money safe at Border Bank?▼
Yes, deposits at Border Bank (Certificate #20776) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Border Bank's Tier 1 Capital Ratio?▼
Border Bank has a Tier 1 Capital Ratio of 10.00%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Border Bank?▼
Border Bank has a Texas Ratio of 17.17%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Border Bank?▼
Border Bank has an Efficiency Ratio of 70.66%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Border Bank's profile as a depositor or analyst.
- Border Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Border Bank against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.