Banks in North Dakota — Benchmarks

59 institutions filed a Call Report for 2026Q2. Median values below; each metric has its own page with the full percentile distribution and every quarter back to 2001.

Metric	Median (2026Q2)	Banks	Quarter
Efficiency Ratio	60.3%	59	2026Q2
Equity Capital / Total Assets	9.7%	59	2026Q2
Loan Loss Reserve / Loans	1.2%	59	2026Q2
Loans / Deposits	78.6%	59	2026Q2
Net Income (year to date)	$1.9M	59	2026Q2
Net Interest Income / Assets (annualized)	3.6%	59	2026Q2
Return on Assets (annualized)	1.4%	59	2026Q2
Return on Equity (annualized)	14.4%	59	2026Q2
Total Assets	$257.4M	59	2026Q2
Total Deposits	$226.7M	59	2026Q2
Total Loans and Leases	$152.6M	59	2026Q2

Largest institutions (2026Q2)

BELL BANK $15.2B assets, ND · evidence
CHOICE FINANCIAL GROUP $6.4B assets, ND · evidence
FIRST INTERNATIONAL BANK AND TRUST $6.2B assets, ND · evidence
ALERUS FINANCIAL, NATIONAL ASSOCIATION $5.3B assets, ND · evidence
GATE CITY BANK $4.0B assets, ND · evidence
BRAVERA BANK $3.8B assets, ND · evidence
WESTERN STATE BANK $2.5B assets, ND · evidence
FIRST WESTERN BANK AND TRUST $2.4B assets, ND · evidence
STARION BANK $2.1B assets, ND · evidence
CORNERSTONE BANK $1.9B assets, ND · evidence

Methodology & sources
One row per reporting institution (RSSD) per quarter, as filed. Percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain).

All bank benchmarks · Cite as: FACTANKER, https://factanker.com/banks/state-nd