North Dakota
Community Reinvestment Act ratings · Search North Dakota banks
167 banks tracked
Current Rating Distribution
Outstanding
20
12.0%
Satisfactory
144
86.2%
Needs to Improve
1
0.6%
Substantial Noncompliance
2
1.2%
GATE CITY BANK
FARGO · OTS · Oct 2009
OutstandingFIRST BANK, FSB
FARGO · OTS · Nov 1995
SatisfactoryNORTHWESTERN SAVINGS BANK, F.S.B.
FARGO · OTS · Dec 1994
SatisfactoryKULM STATE BANK
KULM · FDIC · Mar 1999
SatisfactoryFIRST AMERICAN BANK OF LARIMORE
LARIMORE · FDIC · Oct 1994
SatisfactorySTATE BANK & TRUST OF KENMARE
KENMARE · FDIC · Aug 2025
SatisfactoryWELLS FARGO BANK NORTH DAKOTA, N.A.
FARGO · OCC · Mar 2000
SatisfactoryAMERICAN FEDERAL BANK
FARGO · OTS · Mar 2010
SatisfactoryFIRST NATIONAL BANK OF DEVILS LAKE
DEVILS LAKE · OCC · Jun 1995
OutstandingUNITED COMMUNITY BANK
BURLINGTON · FDIC · Mar 1995
SatisfactoryDAKOTA BANK AND TRUST CO. OF FARGO
FARGO · FDIC · May 1990
SatisfactoryASPIRE BANK
FARGO · FDIC · Aug 2025
SatisfactoryCOMMUNITY FIRST NATIONAL BANK
DICKINSON · OCC · Mar 1994
OutstandingCOMMUNITY FIRST NATIONAL BANK
FARGO · OCC · Dec 2002
SatisfactoryRAMSEY NATIONAL BANK
DEVILS LAKE · OCC · Sep 2020
OutstandingTHE FIRST NATIONAL BANK
ELLENDALE · OCC · Oct 1991
SatisfactoryTHE FIRST NATIONAL BANK OF OAKES
OAKES · OCC · Dec 1994
OutstandingFIRST NATIONAL BANK
BOWBELLS · OCC · Sep 1998
SatisfactoryTHE FARMERS AND MERCHANTS N. B. OF HATTON
HATTON · OCC · Jun 2015
SatisfactoryFIRST NATIONAL BANK AND TRUST CO. OF BOTTINEAU
BOTTINEAU · OCC · Oct 2022
OutstandingFIRST NATIONAL BANK
MILNOR · OCC · Feb 2015
SatisfactoryPEOPLES BANK AND TRUST
PARSHALL · FDIC · Sep 2007
SatisfactoryFIRST STATE BANK OF HARVEY
HARVEY · FDIC · Oct 2024
SatisfactoryWALHALLA STATE BANK
WALHALLA · FDIC · Oct 1997
SatisfactoryKODABANK
DRAYTON · FDIC · Sep 2025
SatisfactoryBANKNORTH
ARTHUR · FDIC · Aug 2023
SatisfactoryFIRST AMERICAN BANK OF CASSELTON
CASSELTON · FDIC · May 1991
SatisfactoryLINCOLN STATE BANK
HANKINSON · FDIC · Aug 2022
SatisfactoryTHE CITIZENS STATE BANK AT MOHALL
MOHALL · FDIC · Dec 2020
SatisfactorySCANDIA AMERICAN BANK & TRUST
STANLEY · FDIC · Nov 2009
SatisfactoryTHE FARMERS & MERCHANTS BANK OF NORTH DAKOTA
TOLNA · FDIC · Aug 2023
SatisfactorySECURITY STATE BANK, WISHEK, NORTH DAKOTA
WISHEK · FDIC · Nov 2019
SatisfactoryNORTH COUNTRY BANK, NATIONAL ASSOCIATION
MCCLUSKY · OCC · Jun 2011
OutstandingRAMSEY BANK
CANDO · OTS · Jan 1998
SatisfactoryBANK FORWARD
FARGO · FDIC · Jul 2025
SatisfactorySTOCK GROWERS BANK
FORMAN · FDIC · Sep 2021
SatisfactoryMERCHANTS BANK
RUGBY · FDIC · Jul 2025
SatisfactoryMCVILLE STATE BANK
MCVILLE · FDIC · Jan 2010
SatisfactoryFARMERS & MERCHANTS BANK OF VALLEY CITY
VALLEY CITY · FDIC · Jun 1999
SatisfactoryKINDRED STATE BANK
KINDRED · FDIC · May 2023
SatisfactoryUNITED BANK OF BISMARCK
BISMARCK · FDIC · Mar 1993
SatisfactorySECURITY STATE BANK OF ROBINSON
ROBINSON · FDIC · Aug 1997
OutstandingFIRST NATIONAL BANK
HETTINGER · OCC · Jul 1996
SatisfactorySTATE BANK OF MARION
MARION · FDIC · Jul 1996
SatisfactoryROLETTE STATE BANK
ROLETTE · FDIC · Jul 2025
SatisfactorySTATE BANK OF BOTTINEAU
BOTTINEAU · FDIC · Jun 2021
SatisfactoryFARMERS SECURITY BANK
WASHBURN · FDIC · Aug 2018
SatisfactoryWESTERN STATE BANK
DEVILS LAKE · FDIC · May 2024
SatisfactoryBANK OF HAMILTON
HAMILTON · FDIC · Dec 2020
Substantial NoncomplianceHARWOOD STATE BANK
HARWOOD · FDIC · Apr 2021
Satisfactory
| Bank | City | Regulator | Exam Date | Rating |
|---|---|---|---|---|
| GATE CITY BANK | FARGO | OTS | Oct 2009 | Outstanding |
| FIRST BANK, FSB | FARGO | OTS | Nov 1995 | Satisfactory |
| NORTHWESTERN SAVINGS BANK, F.S.B. | FARGO | OTS | Dec 1994 | Satisfactory |
| KULM STATE BANK | KULM | FDIC | Mar 1999 | Satisfactory |
| FIRST AMERICAN BANK OF LARIMORE | LARIMORE | FDIC | Oct 1994 | Satisfactory |
| STATE BANK & TRUST OF KENMARE | KENMARE | FDIC | Aug 2025 | Satisfactory |
| WELLS FARGO BANK NORTH DAKOTA, N.A. | FARGO | OCC | Mar 2000 | Satisfactory |
| AMERICAN FEDERAL BANK | FARGO | OTS | Mar 2010 | Satisfactory |
| FIRST NATIONAL BANK OF DEVILS LAKE | DEVILS LAKE | OCC | Jun 1995 | Outstanding |
| UNITED COMMUNITY BANK | BURLINGTON | FDIC | Mar 1995 | Satisfactory |
| DAKOTA BANK AND TRUST CO. OF FARGO | FARGO | FDIC | May 1990 | Satisfactory |
| ASPIRE BANK | FARGO | FDIC | Aug 2025 | Satisfactory |
| COMMUNITY FIRST NATIONAL BANK | DICKINSON | OCC | Mar 1994 | Outstanding |
| COMMUNITY FIRST NATIONAL BANK | FARGO | OCC | Dec 2002 | Satisfactory |
| RAMSEY NATIONAL BANK | DEVILS LAKE | OCC | Sep 2020 | Outstanding |
| THE FIRST NATIONAL BANK | ELLENDALE | OCC | Oct 1991 | Satisfactory |
| THE FIRST NATIONAL BANK OF OAKES | OAKES | OCC | Dec 1994 | Outstanding |
| FIRST NATIONAL BANK | BOWBELLS | OCC | Sep 1998 | Satisfactory |
| THE FARMERS AND MERCHANTS N. B. OF HATTON | HATTON | OCC | Jun 2015 | Satisfactory |
| FIRST NATIONAL BANK AND TRUST CO. OF BOTTINEAU | BOTTINEAU | OCC | Oct 2022 | Outstanding |
| FIRST NATIONAL BANK | MILNOR | OCC | Feb 2015 | Satisfactory |
| PEOPLES BANK AND TRUST | PARSHALL | FDIC | Sep 2007 | Satisfactory |
| FIRST STATE BANK OF HARVEY | HARVEY | FDIC | Oct 2024 | Satisfactory |
| WALHALLA STATE BANK | WALHALLA | FDIC | Oct 1997 | Satisfactory |
| KODABANK | DRAYTON | FDIC | Sep 2025 | Satisfactory |
| BANKNORTH | ARTHUR | FDIC | Aug 2023 | Satisfactory |
| FIRST AMERICAN BANK OF CASSELTON | CASSELTON | FDIC | May 1991 | Satisfactory |
| LINCOLN STATE BANK | HANKINSON | FDIC | Aug 2022 | Satisfactory |
| THE CITIZENS STATE BANK AT MOHALL | MOHALL | FDIC | Dec 2020 | Satisfactory |
| SCANDIA AMERICAN BANK & TRUST | STANLEY | FDIC | Nov 2009 | Satisfactory |
| THE FARMERS & MERCHANTS BANK OF NORTH DAKOTA | TOLNA | FDIC | Aug 2023 | Satisfactory |
| SECURITY STATE BANK, WISHEK, NORTH DAKOTA | WISHEK | FDIC | Nov 2019 | Satisfactory |
| NORTH COUNTRY BANK, NATIONAL ASSOCIATION | MCCLUSKY | OCC | Jun 2011 | Outstanding |
| RAMSEY BANK | CANDO | OTS | Jan 1998 | Satisfactory |
| BANK FORWARD | FARGO | FDIC | Jul 2025 | Satisfactory |
| STOCK GROWERS BANK | FORMAN | FDIC | Sep 2021 | Satisfactory |
| MERCHANTS BANK | RUGBY | FDIC | Jul 2025 | Satisfactory |
| MCVILLE STATE BANK | MCVILLE | FDIC | Jan 2010 | Satisfactory |
| FARMERS & MERCHANTS BANK OF VALLEY CITY | VALLEY CITY | FDIC | Jun 1999 | Satisfactory |
| KINDRED STATE BANK | KINDRED | FDIC | May 2023 | Satisfactory |
| UNITED BANK OF BISMARCK | BISMARCK | FDIC | Mar 1993 | Satisfactory |
| SECURITY STATE BANK OF ROBINSON | ROBINSON | FDIC | Aug 1997 | Outstanding |
| FIRST NATIONAL BANK | HETTINGER | OCC | Jul 1996 | Satisfactory |
| STATE BANK OF MARION | MARION | FDIC | Jul 1996 | Satisfactory |
| ROLETTE STATE BANK | ROLETTE | FDIC | Jul 2025 | Satisfactory |
| STATE BANK OF BOTTINEAU | BOTTINEAU | FDIC | Jun 2021 | Satisfactory |
| FARMERS SECURITY BANK | WASHBURN | FDIC | Aug 2018 | Satisfactory |
| WESTERN STATE BANK | DEVILS LAKE | FDIC | May 2024 | Satisfactory |
| BANK OF HAMILTON | HAMILTON | FDIC | Dec 2020 | Substantial Noncompliance |
| HARWOOD STATE BANK | HARWOOD | FDIC | Apr 2021 | Satisfactory |