ALERUS FINANCIAL NA
GRAND FORKS, NORTH DAKOTA · FDIC Cert #3931
Capital & Safety Analysis
According to FDIC financial data, ALERUS FINANCIAL NA holds a Tier 1 capital ratio of 11.23%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning ALERUS FINANCIAL NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
ALERUS FINANCIAL NA shows strong financial health indicators. With $4.3B in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
ALERUS FINANCIAL NA has a Bank Health Score of A (82/100). It holds a Tier 1 capital ratio of 11.23%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
ALERUS FINANCIAL NA holds $4.3B in total assets and $3.4B in total deposits. It is located in GRAND FORKS, NORTH DAKOTA (FDIC Certificate #3931).
ALERUS FINANCIAL NA has a Tier 1 capital ratio of 11.23%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.21%, and the return on assets is 0.97%.
Yes. ALERUS FINANCIAL NA is FDIC-insured (Certificate #3931). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.