North Dakota Bank Stress by County

North Dakota reads elevated, above the national norm for bank stress — an average county score of 61/100, 19th-highest of 52 states and territories. Think of it as the supply side of credit. As it deteriorates, refinancing options close and owners run out of alternatives to selling.

High stress (65+) covers 13 of North Dakota counties, peaking at 82/100.

The acquisition angle: stressed North Dakota lenders mean frozen construction credit, failed refinances, and owners pushed to sell. So the signal arrives ahead of the listings it predicts.

Quarterly FDIC data refreshes the North Dakota picture, keeping county order current to the latest filings.

Lender data and parcel data are aligned for North Dakota, so credit stress can be traced to the properties it actually threatens.

Richland County (74/100) leads North Dakota, with Mercer County close behind. The ranking below orders every North Dakota county by bank stress, each linking to its full distress profile.

Every bank operating in North Dakota is scored from FDIC financials and weighted by branch footprint across the state 51 counties.

For a buyer working North Dakota, a elevated, above the national norm bank-stress backdrop is a map of where financing is most likely to fail first: the tighter the lenders behind a county, the sooner its owners run out of refinancing options and the sooner distressed inventory appears.

The nationwide model runs on FDIC filings and links through to individual parcels and their liens. So in North Dakota you can move on distressed supply before the market catches up — every figure traces to a public federal source.