Border Bank (FDIC #20776): Bank Stress & Real-Estate Credit Exposure

Border Bank (FDIC Cert #20776): bank stress 68/100, elevated, STABLE over 7 days; parent BORDER BANCSHARES INC.

Border Bank (#20776) lends in 8 counties across 2 states; Border Bank (#20776) reaches 105 ZIP codes: Minnesota 7 counties, 75 ZIPs; North Dakota 1 county, 30 ZIPs.

Border Bank (#20776) largest markets: Cass County, ND (60 branches, 30 ZIPs) (#20776), Anoka County, MN (20 branches, 20 ZIPs) (#20776), Marshall County, MN (15 branches, 15 ZIPs) (#20776), Koochiching County, MN (14 branches, 14 ZIPs) (#20776), Roseau County, MN (33 branches, 11 ZIPs) (#20776), Clearwater County, MN (11 branches, 11 ZIPs) (#20776).

Border Bank (#20776) reports $1.06 billion in total assets; Border Bank (#20776) equity $96.0 million (9.1% of Border Bank (#20776) assets); Border Bank (#20776) domestic deposits $922.6 million; Border Bank (#20776) net income $6.9 million; Border Bank (#20776) return on assets 1.31%; Border Bank (#20776) return on equity 14.71%; Border Bank (#20776) net interest income $19.9 million; Border Bank (#20776) call report June 30, 2026.

Border Bank (#20776) noncurrent real-estate loans 0.02% of its book; Border Bank (#20776) residential -0.01%; Border Bank (#20776) net charge-offs on real estate 0.47%; Border Bank (#20776) residential charge-offs 0.54%.

Border Bank (#20776) net interest margin 4.00% against an eight-quarter Border Bank (#20776) average of 3.50% (Border Bank (#20776) compression -0.50 points); Border Bank (#20776) real-estate loans 2.4% of equity; Border Bank (#20776) non-residential real estate 53.7% of equity; Border Bank (#20776) rate-exposure score 40/100, Border Bank (#20776) fixed-rate trap 40/100; Border Bank (#20776) risk type credit driven; Border Bank (#20776) rate regime rates elevated, Border Bank (#20776) snapshot October 19, 2026.

Border Bank (#20776) stress score moved from 70.6 on June 22, 2026 to 67.7 on October 19, 2026; Border Bank (#20776) ranged 67.7 to 70.6 over 116 snapshots.

Border Bank (#20776) alerts: 8 counties; top Border Bank (#20776) alert scores: Baudette County, ND 24 (low); Clearbrook County, ND 24 (low); Fargo County, ND 24 (low); International Falls County, ND 24 (low); Middle River County, ND 24 (low).