GRAND FORKS, ND · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$5.3B
Total Deposits
$4.4B
Net Loans
$4.0B
Net Income
$24M
ROA
1.81%
Above avg for Community banks. Peer avg: 0.90%
ROE
16.77%
Risk-Based Capital
12.00%
Below avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 2,631 | 77.46% | 6.58% |
| 2023 | 1,959 | 84.18% | 4.65% |
| 2022 | 3,479 | 86.46% | 3.56% |
| 2021 | 7,168 | 91.16% | 1.67% |
| 2020 | 7,788 | 89.95% | 1.73% |
| 2019 | 4,704 | 89.09% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2025 | Satisfactory | Large Bank |
| Jun 2022 | Satisfactory | Large Bank |
| Jun 2019 | Outstanding | Large Bank |
9 previous ratings locked — back to 1990
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Total Branches
29
Branch Deposits
$4.4B
1-Year Change
+15
5-year net change: +14 branches
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Preview:
| 2.70% |
| 2018 | 4,321 | 88.54% | 2.78% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red