North Dakota Bank Stress by County
North Dakota reads above the national norm for bank stress, a 62/100 county average, 19th of 52.
70 banks lend across 51 North Dakota counties.
14 of North Dakota's 51 counties score 65+, peaking at 82/100.
Most stressed in North Dakota: Richland County 74/100, Mercer County 72/100, Mckenzie County 70/100, Ward County 69/100, Mountrail County 69/100.
60 banks are chartered in North Dakota with $65.6 billion in North Dakota assets; 0 North Dakota banks reported a net loss (North Dakota) on the latest call report; 19 banks on North Dakota alerts score 70 or higher; 107 North Dakota counties carry a bank area-distress alert.
Largest North Dakota-chartered banks by assets: Bell Bank $15.2 billion (stress 73); Choice Financial Group $6.4 billion (stress 60); First International B&T $6.2 billion (stress 72) in North Dakota; Alerus Financial Na $5.3 billion (stress 51); Gate City Bank $4.0 billion (stress 76).
Reading the North Dakota bank figures: a North Dakota bank's stress score comes from its own North Dakota FDIC call report (capital, earnings, North Dakota real-estate loan concentration), so 0 loss-making North Dakota charters and 19 North Dakota banks at 70 or higher are read from North Dakota filings directly; the North Dakota county pages map each lender's North Dakota branches to the North Dakota counties it exposes.
Most bank-stressed counties in North Dakota
Most-stressed banks operating in North Dakota
Complete list: all 36 banks lending in North Dakota (A–Z) →
North Dakota lenders ordered by financial strain, each graded from public FDIC data.
All 36 banks lending in North Dakota, A–Z
Every FDIC-insured bank lending into North Dakota real estate that DLRadar scores; North Dakota charters since merged or retired are kept as historical ND profiles.
- Alerus Financial NA
- American Bank&Trust
- American Federal Bank
- Bank Forward
- Banknorth
- Bell Bank
- Bmo Bank National Assn
- Bnc National Bank
- Border Bank
- Bravera Bank
- Choice Financial Group
- Cornerstone Bank
- Dacotah Bank
- Dakota Community B&T NA
- Dakota Heritage Bank
- Dakota Western Bank
- First International B&T
- First United Bank
- First Western Bank&Trust
- Frandsen Bank&Trust
- Gate City Bank
- Hometown Community Bank
- Horizon Financial Bank
- Jpmorgan Chase Bank NA
- Kodabank
- Merchants Bank
- Old National Bank
- Security First Bank Of Nd
- Starion Bank
- Stock Growers Bank
- Union Bank
- Unison Bank
- United Valley Bank
- U S Bank National Assn
- Wells Fargo Bank NA
- Western State Bank