🏦Bank Scorer

BORDER BANK

FARGO, ND · Supervised by FDIC

Est. 1972FDIC #20,776RSSD: FDIC-20776
Part ofBORDER BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

4530 17th Ave S, FARGO, ND

County

Cass County

Established

August 21, 1972

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$916M

Net Loans

$893M

Net Income

$3M

ROA

1.13%

ROE

12.82%

Risk-Based Capital

11.48%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.24%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$893M

1-Year Change

0

5-year net change: +10 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427890.65%3.24%
202333893.2%2.07%
202233090.3%2.42%
202160688.28%2.15%
202075083.6%5.33%
20199184.62%3.30%
20189689.58%6.25%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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