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Border Bank
Fargo, ND · FDIC Certificate #20776 · Chartered 08/2
Total assets
$1.06B
Total deposits
$922.62M
Total equity
$95.97M
Net loans
$888.26M
Branches (offices)
11
Net income (YTD)
$6.94M
Rank: #996 of 4,213 U.S. banks by assets · #13 of 60 in North Dakota. Assets changed 5.0% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 14.71% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 9.06% |
| Tier 1 leverage ratio | 9.07% |
| Uninsured deposits (share of deposits) | 32.1% |
| Noncurrent loans (share of loans) | 1.07% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 96.3% |
| Real estate loans (share of loans) | 66.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $590.54M | 66.5% | |
| Commercial & industrial | $128.32M | 14.4% | |
| Consumer / individual | $29.93M | 3.4% | |
| Construction & development | $27.25M | 3.1% | |
| Agricultural | $137.79M | 15.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $849.13M | $747.42M | $3.32M | $74.25M |
| Jun 2023 | $909.53M | $777.34M | $2.27M | $74.12M |
| Jun 2024 | $952.90M | $848.18M | $1.53M | $78.42M |
| Jun 2025 | $1.01B | $893.09M | $3.41M | $85.93M |
| Jun 2026 | $1.06B | $922.62M | $6.94M | $95.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $696.74M | 9 |
| North Dakota | $225.87M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $922.62M.
Similar-sized banks
Farm Bureau Bank FSB ($1.06B) · Bank Cmg ($1.06B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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