State directory · ND

North Dakota Banks

Every FDIC-insured bank headquartered in North Dakota, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
61
FDIC banks
78/100
Avg health score
$64.1B
Total assets
0
Failures since 2000

Data updated July 2026

The state picture

North Dakota's 61 FDIC banks hold $64.1B in assets and average 78/100 on health - 87% earn an A or B grade.

61
FDIC-insured banks
87%
grade A or B (53 banks)
$14.4B
largest - Bell Bank
0
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: North Dakota's average health score of 78/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
32
52% of banks
B
21
34% of banks
C
6
10% of banks
D
2
3% of banks
F
0
0% of banks

Largest banks in North Dakota

Top 10 North Dakota banks by total assets
  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

  6. 6
    Bravera Bank $3.8B

    Dickinson, ND · Grade B

  7. 7
    Western State Bank $2.6B

    Devils Lake, ND · Grade A

  8. 8
    First Western Bank & Trust $2.3B

    Minot, ND · Grade C

  9. 9
    Starion Bank $2.1B

    Bismarck, ND · Grade B

  10. 10
    Cornerstone Bank $1.8B

    Fargo, ND · Grade B

Top 10 of 61 North Dakota banks · FDIC Call Report Q4 2025.

North Dakota banks by health grade

0 5 10 15 20 25 30 35 A B C D F 32 21 6 2 0

How North Dakota compares nationally

North Dakota ranks #17 of 55 states and territories by average bank health score - better than 70% of them.

States grouped by average health score

All 61 North Dakota banks

Bank Assets Grade
Bell Bank $14.4B C
First International Bank & Trust $6.2B B
Choice Financial Group $6.0B B
Alerus Financial, National Association $5.2B C
Gate City Bank $4.0B D
Bravera Bank $3.8B B
Western State Bank $2.6B A
First Western Bank & Trust $2.3B C
Starion Bank $2.1B B
Cornerstone Bank $1.8B B
Dakota Community Bank & Trust, National Association $1.4B A
Bank Forward $1.1B A
Border Bank $1.1B D
American Federal Bank $783M B
First United Bank $724M A
United Valley Bank $723M B
BankNorth $697M A
American State Bank & Trust Company of Williston $648M A
Unison Bank $599M A
First State Bank & Trust $536M A
KodaBank $534M A
Dakota Heritage Bank $425M B
Dakota Western Bank $421M A
First State Bank $410M B
The Bank of Tioga $394M A
Kirkwood Bank & Trust Co. $389M B
Stock Growers Bank $332M A
TruCommunity Bank $330M A
The Union Bank $327M C
Security First Bank of North Dakota $285M A
Merchants Bank $269M A
Union State Bank of Hazen $251M C
Horizon Financial Bank $206M B
State Bank & Trust of Kenmare $191M B
Peoples State Bank of Velva $189M A
The Goose River Bank $178M B
First National Bank and Trust Co. of Bottineau $164M A
Liberty State Bank $158M A
Farmers and Merchants State Bank $150M A
Commercial Bank of Mott $138M A
Lincoln State Bank $126M B
State Bank of Bottineau $120M B
Farmers & Merchants Bank of North Dakota $119M B
Turtle Mountain State Bank $117M A
First State Bank of Golva $117M A
McIntosh County Bank $114M A
Strasburg State Bank $100M A
First State Bank of Harvey $95M B
The Citizens State Bank at Mohall $79M B
Bank of Hazelton $75M A
First State Bank of Cando $74M A
Heartland State Bank $73M C
Citizens State Bank of Lankin $72M B
Peoples State Bank $72M A
First Security Bank - West $70M A
State Bank of Lakota $67M A
Aspire Bank $63M B
Rolette State Bank $49M A
Grant County State Bank $47M A
Kindred State Bank $43M A
Peoples State Bank, Fairmount, N. D. $36M B

How to read the North Dakota bank directory

This page lists every FDIC-insured bank with a primary regulatory address in North Dakota. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 61 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across North Dakota, 53 institutions (87%) sit in the A or B band, while 2 (3%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, no banks headquartered in North Dakota have failed. Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the North Dakota directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

← All US states

Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.