WATFORD CITY, ND · Supervised by FDIC
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
$6.0B
Total Deposits
$5.3B
Net Loans
$4.7B
Net Income
$19M
ROA
1.27%
Above avg for Community banks. Peer avg: 0.90%
ROE
15.10%
Risk-Based Capital
12.16%
Below avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 1,589 | 80.62% | 7.05% |
| 2022 | 2,321 | 82.03% | 5.39% |
| 2021 | 2,807 | 82.29% | 2.92% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2023 | Satisfactory | Large Bank |
| Jan 2021 | Satisfactory | Large Bank |
| Nov 2017 | Satisfactory | Large Bank |
10 previous ratings locked — back to 1990
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Total Branches
28
Branch Deposits
$4.8B
1-Year Change
0
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