Banknorth (FDIC #8387): Bank Stress & Real-Estate Credit Exposure

Banknorth (FDIC Cert #8387): bank stress 48/100, moderate, STABLE over 7 days; parent FIRST FINANCIAL CORP.

Banknorth (#8387) lends in 5 counties across 2 states; Banknorth (#8387) reaches 70 ZIP codes: North Dakota 4 counties, 52 ZIPs; South Dakota 1 county, 20 ZIPs.

Banknorth (#8387) largest markets: Cass County, ND (120 branches, 30 ZIPs) (#8387), Brown County, SD (40 branches, 20 ZIPs) (#8387), Lamoure County, ND (24 branches, 12 ZIPs) (#8387), Ransom County, ND (22 branches, 11 ZIPs) (#8387), Dickey County, ND (8 branches, 8 ZIPs) (#8387).

Banknorth (#8387) reports $694.1 million in total assets; Banknorth (#8387) equity $77.6 million (11.2% of Banknorth (#8387) assets); Banknorth (#8387) domestic deposits $549.6 million; Banknorth (#8387) net income $6.7 million; Banknorth (#8387) return on assets 1.94%; Banknorth (#8387) return on equity 17.37%; Banknorth (#8387) net interest income $15.7 million; Banknorth (#8387) call report June 30, 2026.

Banknorth (#8387) noncurrent real-estate loans 0.05% of its book; Banknorth (#8387) net charge-offs on real estate 0.97%.

Banknorth (#8387) net interest margin 5.03% against an eight-quarter Banknorth (#8387) average of 4.90% (Banknorth (#8387) compression -0.12 points); Banknorth (#8387) real-estate loans 5.0% of equity; Banknorth (#8387) rate-exposure score 40/100, Banknorth (#8387) fixed-rate trap 40/100; Banknorth (#8387) risk type credit driven; Banknorth (#8387) rate regime rates elevated, Banknorth (#8387) snapshot October 19, 2026.

Banknorth (#8387) stress score moved from 49.4 on June 22, 2026 to 47.6 on October 20, 2026; Banknorth (#8387) ranged 47.6 to 49.4 over 117 snapshots.

Banknorth (#8387) alerts: 5 counties; top Banknorth (#8387) alert scores: Harwood County, ND 19 (low); Lisbon County, ND 19 (low); Marion County, ND 19 (low); Oakes County, ND 19 (low); Warner County, ND 19 (low).