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Banks in North Dakota
The 60 FDIC-insured banks headquartered in North Dakota, their bank failures since 1934 and the largest credit unions. From the FDIC and the NCUA; quarter ending Jun 30, 2026.
- Banks headquartered here
- 60
- Their assets
- $65.6B
- Their deposits
- $55.3B
- Failures since 2000
- 0
- Credit unions
- 29
Every bank headquartered in North Dakota
Ranked by total assets, quarter ending Jun 30, 2026. Banks based elsewhere with branches here are not included.
| # | Bank | Holding company | Assets | Deposits | Equity | Net income, year to date | ROA | ROE | CET1 ratio | Uninsured deposits | Offices |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Bell BankFargo, ND | State Bankshares Inc | $15.2B | $12.4B | $1.5B | $68.8M | 0.93% | 9.53% | 11.3% | 25% | 34 |
| 2 | Choice Financial GroupFargo, ND | Choice Financial Holdings Inc | $6.4B | $5.1B | $718.7M | $40.0M | 1.30% | 11.42% | – | 26% | 18 |
| 3 | First International Bank & TrustWatford City, ND | Watford City Bancshares Inc | $6.2B | $5.5B | $517.7M | $37.3M | 1.22% | 14.47% | 10.7% | 39% | 28 |
| 4 | Alerus Financial, National AssociationGrand Forks, ND | ALERUS FINANCIAL CORP | $5.3B | $4.2B | $580.4M | $46.7M | 1.78% | 16.35% | 10.9% | 35% | 26 |
| 5 | Gate City BankFargo, ND | – | $4.0B | $3.6B | $373.7M | $17.0M | 0.85% | 9.30% | – | 11% | 46 |
| 6 | Bravera BankDickinson, ND | Bravera Holdings Corp | $3.8B | $3.3B | $398.1M | $26.4M | 1.37% | 13.31% | 11.7% | 17% | 35 |
| 7 | Western State BankDevils Lake, ND | Western ST Agency Employee STK Ownership Plan&tr | $2.5B | $2.1B | $332.1M | $25.5M | 2.01% | 15.90% | – | 22% | 10 |
| 8 | First Western Bank & TrustMinot, ND | Westbrand Inc | $2.4B | $2.0B | $258.7M | $11.3M | 0.96% | 8.86% | – | 6% | 20 |
| 9 | Starion BankBismarck, ND | Starion Bcorp | $2.1B | $1.8B | $176.1M | $12.0M | 1.14% | 13.67% | 14.0% | 44% | 16 |
| 10 | Cornerstone BankFargo, ND | Cornerstone Holding Co Inc | $1.9B | $1.6B | $151.2M | $11.2M | 1.25% | 15.40% | 11.3% | 43% | 13 |
| 11 | Dakota Community Bank & Trust, National AssociationHebron, ND | Dakota Community Banshares Inc | $1.4B | $1.2B | $119.1M | $12.7M | 1.83% | 22.47% | 13.3% | 33% | 13 |
| 12 | Bank ForwardFargo, ND | BK Forward Employee STK Ownership Plan&tr | $1.1B | $935.4M | $118.9M | $9.9M | 1.72% | 16.19% | – | 23% | 12 |
| 13 | Border BankFargo, ND | Border Bancshares Inc | $1.1B | $922.6M | $96.0M | $6.9M | 1.31% | 14.71% | 10.5% | 32% | 11 |
| 14 | First United BankPark River, ND | First Holding Park River | $810.8M | $702.1M | $84.6M | $6.3M | 1.66% | 16.04% | – | 22% | 19 |
| 15 | American Federal BankFargo, ND | American Federal Corp | $795.8M | $615.6M | $71.3M | $4.1M | 1.06% | 11.96% | 12.9% | 23% | 13 |
| 16 | United Valley BankCavalier, ND | First Holding Co Cavalier Inc | $751.6M | $628.5M | $79.2M | $4.0M | 1.10% | 10.25% | – | 25% | 9 |
| 17 | BankNorthArthur, ND | First Financial Corp | $694.1M | $549.6M | $77.6M | $6.7M | 1.94% | 17.37% | 10.5% | 19% | 11 |
| 18 | American State Bank & Trust Company of WillistonWilliston, ND | American STB Holding Co Inc | $643.5M | $569.1M | $54.8M | $8.5M | 2.63% | 29.26% | 19.8% | 37% | 2 |
| 19 | Unison BankJamestown, ND | Mcintosh Cnty BK Holding | $596.9M | $499.1M | $51.1M | $3.8M | 1.29% | 15.59% | – | 33% | 4 |
| 20 | KodaBankDrayton, ND | Koda Bancor Inc | $559.8M | $483.0M | $57.1M | $4.7M | 1.69% | 16.94% | – | 23% | 12 |
| 21 | First State Bank & TrustWilliston, ND | Jorgenson Williston Holding Co | $542.6M | $466.0M | $75.1M | $4.8M | 1.76% | 12.85% | 28.5% | 40% | 4 |
| 22 | First State BankBuxton, ND | Full Service Ins Agency Inc | $424.2M | $371.9M | $41.2M | $4.3M | 2.08% | 21.49% | – | 29% | 5 |
| 23 | Dakota Heritage BankHunter, ND | Hunter Holding Co | $416.8M | $366.8M | $38.4M | $4.1M | 1.96% | 22.19% | – | 15% | 11 |
| 24 | Dakota Western BankBowman, ND | Dakota Western Bankshares Inc | $416.2M | $361.6M | $41.4M | $4.3M | 2.09% | 21.54% | 14.0% | 27% | 5 |
| 25 | The Bank of TiogaTioga, ND | TS Banking Group Inc | $412.1M | $396.6M | $8.6M | $2.7M | 1.32% | 83.08% | 15.4% | 28% | 2 |
| 26 | Kirkwood Bank & Trust Co.Bismarck, ND | Kirkwood Bcorp Co | $351.3M | $312.6M | $34.0M | $3.2M | 1.75% | 19.30% | – | 22% | 4 |
| 27 | TruCommunity BankGarrison, ND | Mclean Bank Holding Co | $338.2M | $282.3M | $32.6M | $2.3M | 1.41% | 14.40% | – | 26% | 4 |
| 28 | Stock Growers BankForman, ND | Napoleon Bcorp Inc | $332.9M | $299.9M | $29.7M | $2.7M | 1.63% | 18.95% | – | 18% | 6 |
| 29 | The Union BankBeulah, ND | Union Holding Co | $312.2M | $266.2M | $30.2M | $2.3M | 1.41% | 15.47% | – | 21% | 6 |
| 30 | Security First Bank of North DakotaNew Salem, ND | Oliver Bcorp Inc | $293.2M | $246.8M | $37.8M | $2.7M | 1.86% | 14.82% | – | 18% | 5 |
| 31 | Union State Bank of HazenHazen, ND | Hazen Bcorp Inc | $257.4M | $226.7M | $19.0M | $1.4M | 1.09% | 14.36% | – | 10% | 4 |
| 32 | Merchants BankRugby, ND | Merchants Holding Co | $254.3M | $223.4M | $26.5M | $1.9M | 1.50% | 15.03% | 13.9% | 25% | 6 |
| 33 | Peoples State Bank of VelvaVelva, ND | Beall Bancshares Inc | $210.0M | $184.4M | $18.5M | $1.6M | 1.58% | 17.98% | 12.3% | 27% | 2 |
| 34 | State Bank & Trust of KenmareKenmare, ND | Jorgenson Holding Co | $201.1M | $182.8M | $14.7M | $1.1M | 1.15% | 16.22% | 16.9% | 33% | 3 |
| 35 | Horizon Financial BankMunich, ND | Munich Bancshares Inc | $201.0M | $178.5M | $21.2M | $986.0K | 0.97% | 9.19% | – | 28% | 5 |
| 36 | First National Bank and Trust Co. of BottineauBottineau, ND | First Bottineau Inc | $175.9M | $151.0M | $23.3M | $1.1M | 1.29% | 9.71% | – | 20% | 1 |
| 37 | The Goose River BankMayville, ND | Goose River Holding Co | $173.4M | $147.3M | $19.7M | $1.1M | 1.20% | 10.83% | – | 17% | 3 |
| 38 | Liberty State BankPowers Lake, ND | Liberty Bcorp Inc | $159.0M | $142.2M | $16.1M | $1.5M | 1.90% | 19.99% | – | 26% | 1 |
| 39 | Farmers and Merchants State BankLangdon, ND | F&m Bancshares Inc | $143.1M | $105.6M | $20.8M | $1.1M | 1.54% | 10.84% | – | 37% | 1 |
| 40 | Commercial Bank of MottMott, ND | Commercial BK Mott Employee STK Ownership Plan | $140.0M | $116.1M | $17.7M | $1.2M | 1.76% | 14.19% | – | 21% | 1 |
| 41 | Lincoln State BankHankinson, ND | Lincoln Holding Co | $125.1M | $111.9M | $9.3M | $671.0K | 1.07% | 14.50% | – | 17% | 3 |
| 42 | First State Bank of GolvaGolva, ND | – | $123.5M | $110.1M | $7.4M | $1.4M | 2.29% | 36.00% | 15.4% | 32% | 3 |
| 43 | Farmers & Merchants Bank of North DakotaTolna, ND | Tolna Bcorp Inc | $119.8M | $106.9M | $12.6M | $539.0K | 0.89% | 8.66% | – | 12% | 3 |
| 44 | McIntosh County BankAshley, ND | Mcintosh Cnty BK Holding | $118.7M | $105.9M | $11.4M | $950.0K | 1.61% | 17.22% | – | 20% | 2 |
| 45 | State Bank of BottineauBottineau, ND | State BK Bottineau Holding Co | $117.2M | $98.4M | $9.9M | $712.0K | 1.21% | 14.36% | 10.5% | 15% | 1 |
| 46 | Turtle Mountain State BankBelcourt, ND | – | $114.1M | $99.8M | $14.0M | $1.3M | 2.33% | 19.42% | – | 76% | 1 |
| 47 | Strasburg State BankStrasburg, ND | Strasburg Banshares Inc | $104.2M | $93.4M | $9.3M | $619.0K | 1.19% | 13.58% | 13.7% | 17% | 1 |
| 48 | First State Bank of HarveyHarvey, ND | First Harvey Bcorp Inc | $94.6M | $84.6M | $8.1M | $481.0K | 1.00% | 12.20% | – | 11% | 2 |
| 49 | The Citizens State Bank at MohallMohall, ND | Jorgenson Holding Co | $80.2M | $69.9M | $9.2M | $474.0K | 1.17% | 10.38% | 16.0% | 19% | 3 |
| 50 | Bank of HazeltonHazelton, ND | – | $75.8M | $68.0M | $7.5M | $711.0K | 1.81% | 18.69% | – | 46% | 1 |
| 51 | Heartland State BankEdgeley, ND | JBS Inc | $75.6M | $68.3M | $6.8M | $254.0K | 0.67% | 7.58% | – | 13% | 2 |
| 52 | First Security Bank - WestBeulah, ND | Beulah Bcorp Inc | $75.2M | $66.5M | $8.5M | $284.0K | 0.78% | 6.79% | 46.0% | 26% | 2 |
| 53 | Citizens State Bank of LankinLankin, ND | Citizens State Bancshares Inc | $72.1M | $61.4M | $6.4M | $430.0K | 1.17% | 13.88% | – | 28% | 4 |
| 54 | Peoples State BankWesthope, ND | Peoples State Holding Co | $69.9M | $60.7M | $9.1M | $490.0K | 1.39% | 10.91% | – | 31% | 2 |
| 55 | State Bank of LakotaLakota, ND | Lakota Bank Holding Co Inc | $64.2M | $57.6M | $6.3M | $352.0K | 1.07% | 11.34% | 14.7% | 11% | 1 |
| 56 | Aspire BankFargo, ND | Aspire Bancshares Inc | $60.9M | $48.8M | $7.3M | $320.0K | 1.04% | 8.96% | – | 27% | 2 |
| 57 | Rolette State BankRolette, ND | – | $51.5M | $46.0M | $5.2M | $393.0K | 1.54% | 15.41% | – | 16% | 1 |
| 58 | Grant County State BankCarson, ND | Grant County Bcorp Inc | $46.7M | $40.1M | $6.6M | $362.0K | 1.54% | 11.23% | – | 20% | 2 |
| 59 | Kindred State BankKindred, ND | – | $43.3M | $39.4M | $3.8M | $295.0K | 1.33% | 15.44% | 16.3% | 22% | 1 |
| 60 | Peoples State Bank, Fairmount, N. D.Fairmount, ND | Dakotah Bankshares Inc | $38.5M | $35.6M | $2.7M | $182.0K | 0.95% | 13.78% | 11.4% | 22% | 2 |
Source: FDIC BankFind Suite. Assets, deposits and equity at the end of the latest quarter; net income is year to date. ROA and ROE are annualized returns on assets and equity. CET1 is common equity tier 1 capital as a share of risk-weighted assets. CET1 is blank for banks that do not report it (many small banks use the simpler community bank leverage ratio). Uninsured deposits is the bank's own estimate of the share of deposits above the insurance limit.
Bank failures in North Dakota
43 since 1934; the latest 25.
| Date | Bank | State | Assets | Deposits | Cost to the fund | Acquirer | Resolution |
|---|---|---|---|---|---|---|---|
| May 10, 1991 | First FS & La of FargoFargo, ND | ND | $50.0M | $51.2M | $3.0M | First NB of ND | Purchase and assumption |
| Oct 26, 1990 | The Farmers and Merchants Bank of SheyenneSheyenne, ND | ND | $2.9M | $2.9M | $825.8K | The Ramsey National Bank An | Purchase and assumption |
| Sep 13, 1990 | First National Bank of CrosbyCrosby, ND | ND | $12.4M | $12.3M | $76.8K | First National Bank & Trust | Purchase and assumption |
| Feb 22, 1990 | The First State Bank of RegentRegent, ND | ND | $9.7M | $9.5M | $2.9M | First National Bank | Purchase and assumption |
| Jan 26, 1990 | First Savings Assoc.Bismark, ND | ND | $113.4M | $100.5M | $16.7M | Metropolitan Fb, FSB | Insured deposit transfer |
| Jan 4, 1990 | Midwest Federal Savings BankMinot, ND | ND | $955.0M | $577.8M | $93.6M | Branch Sale | Purchase and assumption |
| Dec 1, 1989 | Central Dakota BankLehr, ND | ND | $13.9M | $13.7M | $2.7M | Security State Bank, Wishek | Purchase and assumption |
| Aug 24, 1989 | The Dakota BankGrand Forks, ND | ND | $31.2M | $28.6M | $2.9M | First National Bank South | Insured deposit transfer |
| Jan 21, 1988 | Williston Basin State BankWilliston, ND | ND | $14.0M | $13.6M | $4.4M | First Nb&t Co of Willist | Purchase and assumption |
| Oct 15, 1987 | Citizens Bank of RayRay, ND | ND | $11.7M | $11.3M | $1.9M | First Nb&t Co of Willist | Purchase and assumption |
| May 8, 1987 | Farmers State BankMaddock, ND | ND | $11.9M | $11.7M | $1.1M | Ramsey Nb&t Co Devils La | Insured deposit transfer |
| Apr 2, 1984 | First FS and La of Grand Forks and MinotMinot, ND | ND | $246.0M | $210.6M | $40.5M | Midwest FSB | Open-bank assistanceAssistance |
| Jun 10, 1982 | Fidelity FS&LAValley City, ND | ND | $63.0M | $58.8M | – | Midwest FS&LA | Open-bank assistanceAssistance |
| Feb 12, 1980 | First National BK of CarringtonCarrington, ND | ND | $12.4M | $11.2M | $221.2K | – | Payout |
| Apr 18, 1940 | First State BankWishek, ND | ND | $136.0K | $113.0K | – | – | Payout |
| Apr 18, 1940 | Ashley State BankAshley, ND | ND | $247.0K | $172.0K | – | – | Payout |
| Apr 17, 1940 | Bank of ReederReeder, ND | ND | – | $125.0K | – | – | Purchase and assumption |
| Mar 18, 1939 | State Bank of BremenBremen, ND | ND | $61.0K | $28.0K | – | – | Payout |
| Jan 16, 1939 | Bank of ScrantonScranton, ND | ND | $153.0K | $94.0K | – | – | Payout |
| Nov 26, 1938 | Farmers State Bank of AnamooseAnamoose, ND | ND | $62.0K | $39.0K | – | – | Payout |
| Sep 24, 1938 | Stockmens State BankMedora, ND | ND | $87.0K | $74.0K | – | – | Payout |
| Aug 31, 1938 | First Bank of FlaxtonFlaxton, ND | ND | $80.0K | $53.0K | – | – | Payout |
| May 31, 1938 | German State Bank of BeulahBeulah, ND | ND | $122.0K | $100.0K | – | – | Payout |
| Apr 19, 1938 | First State BankTurtle Lake, ND | ND | $186.0K | $144.0K | – | – | Payout |
| Apr 9, 1938 | The First State BankColfax, ND | ND | $117.0K | $83.0K | – | – | Payout |
Source: FDIC BankFind Suite. Cost to the fund is the FDIC's estimated loss to the deposit insurance fund (earlier funds for older failures). Assets and deposits as of the last report before failure. Assistance transactions kept the bank open with FDIC help.
The largest credit unions in North Dakota
29 credit unions; the largest 25 by assets.
| # | Credit union | Charter | Assets | Members | Loans | Shares and deposits | Net worth ratio | Net income, year to date |
|---|---|---|---|---|---|---|---|---|
| 1 | First CommunityJamestown, ND | State | $1.5B | 46,875 | $1.1B | $1.1B | 12.34% | $6.5M |
| 2 | CapitalBismarck, ND | State | $921.5M | 32,946 | $726.0M | $770.2M | 13.09% | $5.6M |
| 3 | Town and CountryMinot, ND | State | $771.1M | 26,599 | $678.4M | $665.3M | 13.06% | $3.6M |
| 4 | Western CooperativeWilliston, ND | State | $522.2M | 18,383 | $238.1M | $452.5M | 14.20% | $3.3M |
| 5 | North Star CommunityMaddock, ND | State | $464.8M | 22,521 | $334.7M | $396.8M | 14.31% | $2.7M |
| 6 | Dakota WestWatford City, ND | State | $326.5M | 7,261 | $166.2M | $282.8M | 14.17% | $1.8M |
| 7 | HometownKulm, ND | State | $223.1M | 3,371 | $178.4M | $182.0M | 15.56% | $1.6M |
| 8 | RailwayMandan, ND | State | $211.6M | 8,737 | $154.4M | $184.4M | 12.12% | $936.8K |
| 9 | Aspire CommunityMinot, ND | Federal | $181.6M | 6,298 | $151.0M | $154.9M | 15.59% | $1.4M |
| 10 | CommunityNew Rockford, ND | State | $171.6M | 4,051 | $28.9M | $140.1M | 17.68% | $1.4M |
| 11 | United SavingsFargo, ND | State | $125.2M | 7,160 | $89.5M | $108.6M | 12.70% | $247.2K |
| 12 | Vue CommunityBismarck, ND | State | $106.3M | 3,696 | $58.1M | $96.7M | 8.60% | $517.7K |
| 13 | Dakota PlainsEdgeley, ND | State | $93.3M | 4,097 | $81.6M | $81.1M | 12.27% | $410.1K |
| 14 | Affinity FirstMinot, ND | Federal | $70.8M | 2,543 | $36.1M | $60.7M | 13.83% | $471.2K |
| 15 | Fargo Public SchoolsFargo, ND | Federal | $58.2M | 2,346 | $21.0M | $50.8M | 12.24% | $158.1K |
| 16 | UniversityGrand Forks, ND | Federal | $46.1M | 3,628 | $26.0M | $39.3M | 14.44% | $493.2K |
| 17 | LamoureLaMoure, ND | State | $38.8M | 1,126 | $18.2M | $31.4M | 18.93% | $342.1K |
| 18 | RiverforkGrand Forks, ND | Federal | $31.2M | 2,127 | $12.2M | $26.7M | 13.91% | $74.7K |
| 19 | Postal FamilyFargo, ND | Federal | $30.2M | 2,229 | $8.5M | $27.1M | 10.52% | $103.5K |
| 20 | Area CommunityGrand Forks, ND | State | $27.7M | 1,869 | $16.8M | $22.4M | 18.85% | $72.5K |
| 21 | Northern ValleyGrand Forks, ND | Federal | $20.3M | 1,902 | $12.3M | $17.5M | 13.25% | $90.0K |
| 22 | Med ParkGrand Forks, ND | State | $18.1M | 1,483 | $12.7M | $14.9M | 16.53% | $68.1K |
| 23 | Minot Area SchoolsMinot, ND | Federal | $14.8M | 1,177 | $5.7M | $13.4M | 9.04% | $26.8K |
| 24 | Fargo VaFargo, ND | Federal | $14.1M | 1,502 | $7.7M | $12.3M | 12.63% | $64.2K |
| 25 | CceFargo, ND | Federal | $14.0M | 1,296 | $6.6M | $11.3M | 18.54% | $127.2K |
Source: NCUA credit union call report data, quarter ending Jun 30, 2026. Names as filed (the NCUA abbreviates them, usually without "Federal Credit Union"). Net income is year to date. The net worth ratio is net worth as a share of assets; 7% or more is "well capitalized".