TellerScore

Headquartered in Fargo, North Dakota, American Federal Bank is a savings bank with $795.8M in total assets and $615.6M in deposits as of Q2 2026. It operates 13 offices across 2 states. Its charter dates back to 1891.

Based on its Q2 2026 filing, American Federal Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 40th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (40/100; 110% loans-to-deposits, 24% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.32%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 110.2% · 23.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (68 → 66), mostly because the capital cushion component weakened by 5 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202461
Q4 202461
Q1 202564
Q2 202568
Q3 202568
Q4 202566
Q1 202665
Q2 202666
Tier 1 leverage ratio
5.00%7.47%9.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.72%
Q3 20248.48%
Q4 20248.74%
Q1 20259.15%
Q2 20259.77%
Q3 20259.95%
Q4 20258.87%
Q1 20269.06%
Q2 20269.32%
Noncurrent loans
0.00%0.07%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.00%
Q4 20240.00%
Q1 20250.14%
Q2 20250.02%
Q3 20250.02%
Q4 20250.01%
Q1 20260.07%
Q2 20260.00%
Return on assets
0.51%0.82%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.51%
Q3 20240.60%
Q4 20240.65%
Q1 20250.95%
Q2 20251.04%
Q3 20251.13%
Q4 20251.12%
Q1 20260.90%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$795.8M9.32%0.00%1.06%110.2%
Q1 202665$764.4M9.06%0.07%0.90%104.5%
Q4 202566$782.9M8.87%0.01%1.12%105.0%
Q3 202568$770.5M9.95%0.02%1.13%110.2%
Q2 202568$767.7M9.77%0.02%1.04%105.6%
Q1 202564$770.7M9.15%0.14%0.95%106.5%
Q4 202461$794.9M8.74%0.00%0.65%112.0%
Q3 202461$813.8M8.48%0.00%0.60%120.4%
Q2 202461$795.9M8.72%0.01%0.51%116.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.32%
18th
Total risk-based capital14.17%
63rd
Problem loans0.00%
94th
Net charge-offs0.00%
60th
Return on assets1.06%
38th
Net interest margin4.05%
56th
Efficiency ratio74.1%
22nd
Loans to deposits110.2%
3rd
Uninsured deposits23.9%
50th
Loan-loss reserves1.04%
31st
Texas ratio0.0%
95th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs
United Valley BankBank Cavalier, ND72 out of 100, Strong$751.6M10.5%0.13%vs
BankNorthBank Arthur, ND72 out of 100, Strong$694.1M10.3%0.58%vs
American State Bank & Trust Company of WillistonBank Williston, ND68 out of 100, Moderate$643.5M12.1%2.07%vs
Unison BankBank Jamestown, ND67 out of 100, Moderate$596.9M10.0%0.44%vs
KodaBankBank Drayton, ND75 out of 100, Strong$559.8M10.3%0.30%vs

Deposit insurance

Is my money safe at American Federal Bank?

Yes. American Federal Bank is an FDIC-insured institution (FDIC certificate #29140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.9% of deposits ($147.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.32%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.17% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

American Federal Bank lists 13 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Federal Bank reported 252 home-loan applications under HMDA (LEI 549300OHXNUMVE33Q475): 186 originated ($62,050,000 total), 29 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American Federal Bank
Former names
American Federal Savings Bank; American Federal Savings and Loan Association of East Grand Forks
Type
Savings bank
FDIC certificate #
29140
RSSD ID
637170
Primary regulator
OCC
Holding company
American Federal Corp
Established
January 1, 1891
Headquarters
215 5th St N, Fargo, ND 58102
Employees
130

Quick answers

American Federal Bank: common questions

Is American Federal Bank FDIC insured?

Yes. American Federal Bank is an FDIC-insured institution (FDIC certificate #29140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Federal Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Federal Bank ever failed?

There is no failure record for FDIC certificate #29140 in the FDIC failed bank list.

How many branches does American Federal Bank have?

13 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Fargo

InstitutionScoreAssetsCapitalProblem loansCompare
Fargo VA Federal Credit UnionCredit union Fargo, ND84 out of 100, Strong$14.1M12.6%0.00%vs
Valley Premier BankBank Hawley, MN81 out of 100, Strong$141.0M11.1%0.00%vs
Fargo Public Schools Federal Credit UnionCredit union Fargo, ND80 out of 100, Strong$58.2M12.2%0.01%vs
F.F.E. Federal Credit UnionCredit union Fargo, ND79 out of 100, Strong$3.8M13.5%0.00%vs
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs
Western State BankBank Devils Lake, ND78 out of 100, Strong$2.5B13.2%0.90%vs