Updated April 2026 · FDIC Call Report Q2 2024
Banks in North Dakota
55 FDIC-insured banks are chartered in North Dakota, holding $53.8B in combined assets. The state-wide average Bank Health Score is 68/100 (B), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
Across North Dakota, 55 FDIC-insured banks hold $53.8B in total assets. Average BankHealth composite score: 68/100 (average grade B). Moderate state-level scores typically reflect a healthy mix with some banks under pressure.
Top bank by assets: First Security Bank West. 10 banks in North Dakota flagged as at-risk; the state-level rollup reflects average performance across the cohort. Each bank below links to its full BankHealth profile — Tier 1 capital ratio, non-performing loan ratio, liquidity ratio, ROA, multi-quarter trend, and the composite grade breakdown. Cross-bank comparisons within the same state are most useful when controlling for size class.
North Dakota's Banking Sector
North Dakota has a moderately sized banking footprint of 55 FDIC-insured banks and $53.8B in combined assets. At this scale, the cohort generally combines a handful of larger regional banks with a longer tail of community banks concentrated in one or two metro areas.
Banks in North Dakota post an average Bank Health Score of 68/100 (B), around the C/B boundary. Capital is generally adequate and broad-based stress is not visible at the cohort level, but several banks in the state show pockets of credit, liquidity, or capital pressure that warrant individual review.
10 of 55 banks in North Dakota (about 18%) currently land in the at-risk tier — a higher share than the national average. Concentration of stress this size usually traces to a regional shock: commercial real estate exposure, agricultural prices, or a single dominant local industry experiencing pressure.
Healthiest Banks in North Dakota
First Security Bank West
Mcintosh County Bank
Strasburg State Bank
Bank of Tioga
Kindred State Bank
State Bank of Lakota
Dakota Community B&T NA
American St B&T Co Williston
Lincoln State Bank
First State Bank of Cando
Banks Showing Weakness in North Dakota
Aspire Bank
Gate City Bank
Bank Forward
Heartland State Bank
Security First Bank of Nd
Dakota Heritage Bank
Kodabank
Rolette State Bank
Goose River Bank
Horizon Financial Bank
For North Dakota Depositors
FDIC insurance protects deposits at every bank on this page up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of state. The Bank Health Score ranks regulatory cushion across institutions; it is not a guarantee. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making changes.
Federal regulators — including the OCC for national charters and the FDIC for state-chartered insured banks — oversee the institutions on this page. Quarterly FFIEC Call Reports are public and provide line-item detail behind every metric here.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F grade. Read the full methodology.
Frequently Asked Questions
How many banks are in North Dakota?
55 FDIC-insured banks are chartered in North Dakota, holding $53.8B in combined assets. North Dakota has a moderately sized banking footprint of 55 FDIC-insured banks and $53.8B in combined assets. At this scale, the cohort generally combines a handful of larger regional banks with a longer tail of community banks concentrated in one or two metro areas.
What is the average bank health score in North Dakota?
Banks in North Dakota post an average Bank Health Score of 68/100 (B), around the C/B boundary. Capital is generally adequate and broad-based stress is not visible at the cohort level, but several banks in the state show pockets of credit, liquidity, or capital pressure that warrant individual review.
Which banks in North Dakota are showing the most stress?
10 of 55 banks in North Dakota (about 18%) currently land in the at-risk tier — a higher share than the national average. Concentration of stress this size usually traces to a regional shock: commercial real estate exposure, agricultural prices, or a single dominant local industry experiencing pressure. See the "Banks Showing Weakness" section above for the specific institutions and their Health Score factors.
Are banks in North Dakota FDIC-insured?
Yes. Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. FDIC insurance is identical regardless of state. Verify your bank's status and your specific coverage at FDIC.gov, particularly if you hold combined balances above the $250,000 limit.
Where does this data come from?
All bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · Data covers 55 North Dakota banks. Informational only; not investment advice.