Headquartered in Arthur, North Dakota, BankNorth is a state-chartered bank with $694.1M in total assets and $549.6M in deposits as of Q2 2026. It operates 11 offices across 2 states. Its charter dates back to 1905.
Based on its Q2 2026 filing, BankNorth scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 27th. Its strongest component is earnings (98/100; 1.94%), and its lowest is funding & liquidity (46/100; 111% loans-to-deposits, 19% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 71 |
| Q2 2025 | 73 |
| Q3 2025 | 71 |
| Q4 2025 | 73 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.95% |
| Q3 2024 | 8.88% |
| Q4 2024 | 9.23% |
| Q1 2025 | 10.19% |
| Q2 2025 | 10.25% |
| Q3 2025 | 10.13% |
| Q4 2025 | 10.00% |
| Q1 2026 | 10.22% |
| Q2 2026 | 10.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.50% |
| Q2 2025 | 1.71% |
| Q3 2025 | 1.59% |
| Q4 2025 | 1.69% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $694.1M | 10.32% | 0.58% | 1.94% | 110.7% |
| Q1 2026 | 72 | $669.2M | 10.22% | 0.43% | 1.74% | 102.4% |
| Q4 2025 | 73 | $697.0M | 10.00% | 0.18% | 1.69% | 108.5% |
| Q3 2025 | 71 | $681.1M | 10.13% | 0.32% | 1.59% | 116.8% |
| Q2 2025 | 73 | $650.8M | 10.25% | 0.27% | 1.71% | 112.9% |
| Q1 2025 | 71 | $631.9M | 10.19% | 0.46% | 1.50% | 101.5% |
| Q4 2024 | 67 | $649.0M | 9.23% | 0.29% | 1.39% | 107.2% |
| Q3 2024 | 66 | $615.9M | 8.88% | 0.16% | 1.28% | 121.1% |
| Q2 2024 | 63 | $609.3M | 8.95% | 0.37% | 1.07% | 123.5% |
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).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American State Bank & Trust Company of WillistonBank Williston, ND | 68 out of 100, Moderate | $643.5M | 12.1% | 2.07% | vs |
| United Valley BankBank Cavalier, ND | 72 out of 100, Strong | $751.6M | 10.5% | 0.13% | vs |
| Unison BankBank Jamestown, ND | 67 out of 100, Moderate | $596.9M | 10.0% | 0.44% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |
Deposit insurance
Is my money safe at BankNorth?
Yes. BankNorth is an FDIC-insured institution (FDIC certificate #8387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.8% of deposits ($103.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.51% (benchmark: 10%).
11 locations
Branches
BankNorth lists 11 offices in 11 cities across 2 states. Most locations:
- Aberdeen, SD (1)
- Arthur, ND (1)
- Buffalo, ND (1)
- Casselton, ND (1)
- Enderlin, ND (1)
- Harwood, ND (1)
- Lamoure, ND (1)
- Lisbon, ND (1)
- Marion, ND (1)
- Oakes, ND (1)
- Warner, SD (1)
Identity & history
Profile
- Legal name
- BankNorth
- Former names
- First State Bank of North Dakota; First State Bank of Arthur
- Type
- State-chartered bank
- FDIC certificate #
- 8387
- RSSD ID
- 721350
- Primary regulator
- FDIC
- Holding company
- First Financial Corp
- Established
- January 1, 1905
- Headquarters
- 340 Main St, Arthur, ND 58006
- Website
- banknorth.bank
- Employees
- 100
Quick answers
BankNorth: common questions
Is BankNorth FDIC insured?
Yes. BankNorth is an FDIC-insured institution (FDIC certificate #8387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BankNorth's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BankNorth ever failed?
There is no failure record for FDIC certificate #8387 in the FDIC failed bank list.
How many branches does BankNorth have?
11 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Arthur
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fargo VA Federal Credit UnionCredit union Fargo, ND | 84 out of 100, Strong | $14.1M | 12.6% | 0.00% | vs |
| Fargo Public Schools Federal Credit UnionCredit union Fargo, ND | 80 out of 100, Strong | $58.2M | 12.2% | 0.01% | vs |
| F.F.E. Federal Credit UnionCredit union Fargo, ND | 79 out of 100, Strong | $3.8M | 13.5% | 0.00% | vs |
| Western State BankBank Devils Lake, ND | 78 out of 100, Strong | $2.5B | 13.2% | 0.90% | vs |
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |