RANKING ·
Highest net interest margin in North Dakota
47 of 60 banks in North Dakota that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin | Total assets |
|---|---|---|---|---|
| 1 | Western State Bank | Devils Lake, ND | 5.47% | $2.5 billion |
| 2 | Banknorth | Arthur, ND | 5.04% | $694 million |
| 3 | Security First Bank of North Dakota | New Salem, ND | 4.80% | $293 million |
| 4 | Turtle Mountain State Bank | Belcourt, ND | 4.53% | $114 million |
| 5 | Trucommunity Bank | Garrison, ND | 4.42% | $338 million |
| 6 | The Goose River Bank | Mayville, ND | 4.42% | $173 million |
| 7 | The Union Bank | Beulah, ND | 4.40% | $312 million |
| 8 | Merchants Bank | Rugby, ND | 4.36% | $254 million |
| 9 | First State Bank | Buxton, ND | 4.31% | $424 million |
| 10 | First United Bank | Park River, ND | 4.30% | $811 million |
| 11 | First International Bank and Trust | Watford City, ND | 4.24% | $6.2 billion |
| 12 | American Federal Bank | Fargo, ND | 4.21% | $796 million |
| 13 | Border Bank | Fargo, ND | 4.20% | $1.1 billion |
| 14 | Unison Bank | Jamestown, ND | 4.18% | $597 million |
| 15 | State Bank of Bottineau | Bottineau, ND | 4.18% | $117 million |
| 16 | Cornerstone Bank | Fargo, ND | 4.17% | $1.9 billion |
| 17 | First Western Bank and Trust | Minot, ND | 4.06% | $2.4 billion |
| 18 | Dakota Heritage Bank | Hunter, ND | 4.02% | $417 million |
| 19 | Alerus Financial N.A. | Grand Forks, ND | 4.02% | $5.3 billion |
| 20 | Dakota Western Bank | Bowman, ND | 4.01% | $416 million |
| 21 | Horizon Financial Bank | Munich, ND | 4.00% | $201 million |
| 22 | First State Bank of Golva | Golva, ND | 3.92% | $124 million |
| 23 | Kirkwood Bank and Trust Company | Bismarck, ND | 3.90% | $351 million |
| 24 | Kodabank | Drayton, ND | 3.89% | $560 million |
| 25 | Peoples State Bank of Velva | Velva, ND | 3.87% | $210 million |
| 26 | First National Bank and Trust Company of Bottineau | Bottineau, ND | 3.86% | $176 million |
| 27 | United Valley Bank | Cavalier, ND | 3.79% | $752 million |
| 28 | Gate City Bank | Fargo, ND | 3.79% | $4.0 billion |
| 29 | Lincoln State Bank | Hankinson, ND | 3.77% | $125 million |
| 30 | Bank Forward | Fargo, ND | 3.72% | $1.1 billion |
| 31 | Union State Bank of Hazen | Hazen, ND | 3.71% | $257 million |
| 32 | Bravera Bank | Dickinson, ND | 3.70% | $3.8 billion |
| 33 | Mcintosh County Bank | Ashley, ND | 3.58% | $119 million |
| 34 | Farmers and Merchants State Bank | Langdon, ND | 3.56% | $143 million |
| 35 | Dakota Community Bank & Trust N.A. | Hebron, ND | 3.54% | $1.4 billion |
| 36 | Farmers & Merchants Bank of North Dakota | Tolna, ND | 3.36% | $120 million |
| 37 | American State Bank & Trust Company of Williston | Williston, ND | 3.34% | $643 million |
| 38 | Choice Financial Group | Fargo, ND | 3.30% | $6.4 billion |
| 39 | First State Bank & Trust | Williston, ND | 3.26% | $543 million |
| 40 | Commercial Bank of Mott | Mott, ND | 3.19% | $140 million |
| 41 | Stock Growers Bank | Forman, ND | 3.18% | $333 million |
| 42 | Liberty State Bank | Powers Lake, ND | 3.09% | $159 million |
| 43 | Strasburg State Bank | Strasburg, ND | 3.07% | $104 million |
| 44 | Starion Bank | Bismarck, ND | 2.99% | $2.1 billion |
| 45 | Bell Bank | Fargo, ND | 2.95% | $15.2 billion |
| 46 | State Bank & Trust of Kenmare | Kenmare, ND | 2.70% | $201 million |
| 47 | The Bank of Tioga | Tioga, ND | 2.49% | $412 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings