North Dakota bank rankings, Q2 2026
60 FDIC-insured banks are headquartered in North Dakota, holding $65.55B in combined assets as of Q2 2026. The median bank has $275M in assets, earns a 1.35% return on assets, and runs a 60.69% efficiency ratio.
Highest return on assets among community banks
- American State Bank & Trust Company of Williston Williston 2.63%
- Turtle Mountain State Bank Belcourt 2.33%
- First State Bank of Golva Golva 2.29%
- Dakota Western Bank Bowman 2.09%
- First State Bank Buxton 2.08%
- Western State Bank Devils Lake 2.01%
- Dakota Heritage Bank Hunter 1.96%
- BankNorth Arthur 1.94%
- Liberty State Bank Powers Lake 1.90%
- Security First Bank of North Dakota New Salem 1.86%
Most efficient community banks (lowest efficiency ratio)
- Liberty State Bank Powers Lake 33.55%
- First State Bank of Golva Golva 40.47%
- Commercial Bank of Mott Mott 42.50%
- Dakota Western Bank Bowman 43.19%
- Stock Growers Bank Forman 44.37%
- American State Bank & Trust Company of Williston Williston 45.21%
- The Bank of Tioga Tioga 46.80%
- First State Bank Buxton 46.81%
- Western State Bank Devils Lake 47.03%
- Merchants Bank Rugby 47.10%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every North Dakota bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| Bell Bank Fargo | $15.18B | 0.93% | 70.65% | 2.88% |
| Choice Financial Group Fargo | $6.38B | 1.30% | 54.93% | 3.28% |
| First International Bank & Trust Watford City | $6.18B | 1.22% | 70.42% | 4.06% |
| Alerus Financial, National Association Grand Forks | $5.28B | 1.78% | 61.42% | 3.89% |
| Gate City Bank Fargo | $4.04B | 0.85% | 74.56% | 3.70% |
| Bravera Bank Dickinson | $3.81B | 1.37% | 57.06% | 3.62% |
| Western State Bank Devils Lake | $2.49B | 2.01% | 47.03% | 5.33% |
| First Western Bank & Trust Minot | $2.39B | 0.96% | 65.18% | 3.92% |
| Starion Bank Bismarck | $2.10B | 1.14% | 65.38% | 2.95% |
| Cornerstone Bank Fargo | $1.85B | 1.25% | 57.09% | 4.09% |
| Dakota Community Bank & Trust, National Association Hebron | $1.39B | 1.83% | 52.04% | 3.44% |
| Bank Forward Fargo | $1.13B | 1.72% | 65.80% | 3.63% |
| Border Bank Fargo | $1.06B | 1.31% | 63.05% | 4.00% |
| First United Bank Park River | $811M | 1.66% | 55.56% | 4.00% |
| American Federal Bank Fargo | $796M | 1.06% | 74.11% | 4.05% |
| United Valley Bank Cavalier | $752M | 1.10% | 65.82% | 3.63% |
| BankNorth Arthur | $694M | 1.94% | 54.78% | 5.03% |
| American State Bank & Trust Company of Williston Williston | $643M | 2.63% | 45.21% | 3.33% |
| Unison Bank Jamestown | $597M | 1.29% | 59.11% | 4.02% |
| KodaBank Drayton | $560M | 1.69% | 53.57% | 3.82% |
| First State Bank & Trust Williston | $543M | 1.76% | 53.41% | 3.16% |
| First State Bank Buxton | $424M | 2.08% | 46.81% | 4.08% |
| Dakota Heritage Bank Hunter | $417M | 1.96% | 47.81% | 4.05% |
| Dakota Western Bank Bowman | $416M | 2.09% | 43.19% | 3.89% |
| The Bank of Tioga Tioga | $412M | 1.32% | 46.80% | 2.45% |
| Kirkwood Bank & Trust Co. Bismarck | $351M | 1.75% | 57.88% | 3.71% |
| TruCommunity Bank Garrison | $338M | 1.41% | 59.97% | 4.36% |
| Stock Growers Bank Forman | $333M | 1.63% | 44.37% | 3.05% |
| The Union Bank Beulah | $312M | 1.41% | 66.18% | 4.35% |
| Security First Bank of North Dakota New Salem | $293M | 1.86% | 61.48% | 4.72% |
| Union State Bank of Hazen Hazen | $257M | 1.09% | 67.91% | 3.65% |
| Merchants Bank Rugby | $254M | 1.50% | 47.10% | 4.12% |
| Peoples State Bank of Velva Velva | $210M | 1.58% | 56.80% | 3.82% |
| State Bank & Trust of Kenmare Kenmare | $201M | 1.15% | 56.07% | 2.66% |
| Horizon Financial Bank Munich | $201M | 0.97% | 64.99% | 3.93% |
| First National Bank and Trust Co. of Bottineau Bottineau | $176M | 1.29% | 53.37% | 3.84% |
| The Goose River Bank Mayville | $173M | 1.20% | 70.47% | 4.34% |
| Liberty State Bank Powers Lake | $159M | 1.90% | 33.55% | 3.06% |
| Farmers and Merchants State Bank Langdon | $143M | 1.54% | 51.14% | 3.43% |
| Commercial Bank of Mott Mott | $140M | 1.76% | 42.50% | 3.15% |
| Lincoln State Bank Hankinson | $125M | 1.07% | 70.49% | 3.61% |
| First State Bank of Golva Golva | $124M | 2.29% | 40.47% | 3.93% |
| Farmers & Merchants Bank of North Dakota Tolna | $120M | 0.89% | 71.97% | 3.28% |
| McIntosh County Bank Ashley | $119M | 1.61% | 56.42% | 3.61% |
| State Bank of Bottineau Bottineau | $117M | 1.21% | 66.93% | 4.05% |
| Turtle Mountain State Bank Belcourt | $114M | 2.33% | 47.99% | 4.31% |
| Strasburg State Bank Strasburg | $104M | 1.19% | 53.34% | 3.15% |
| First State Bank of Harvey Harvey | $95M | 1.00% | 67.59% | 2.94% |
| The Citizens State Bank at Mohall Mohall | $80M | 1.17% | 69.22% | 3.73% |
| Bank of Hazelton Hazelton | $76M | 1.81% | 48.03% | 3.62% |
| Heartland State Bank Edgeley | $76M | 0.67% | 78.40% | 3.05% |
| First Security Bank - West Beulah | $75M | 0.78% | 72.54% | 3.40% |
| Citizens State Bank of Lankin Lankin | $72M | 1.17% | 67.06% | 4.86% |
| Peoples State Bank Westhope | $70M | 1.39% | 63.65% | 3.77% |
| State Bank of Lakota Lakota | $64M | 1.07% | 63.74% | 3.80% |
| Aspire Bank Fargo | $61M | 1.04% | 67.40% | 4.33% |
| Rolette State Bank Rolette | $52M | 1.54% | 67.22% | 4.68% |
| Grant County State Bank Carson | $47M | 1.54% | 61.97% | 4.11% |
| Kindred State Bank Kindred | $43M | 1.33% | 64.79% | 3.93% |
| Peoples State Bank, Fairmount, N. D. Fairmount | $38M | 0.95% | 70.23% | 4.55% |
Method
Banks are FDIC-insured institutions headquartered in North Dakota with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.