TellerScore

First State Bank of Golva (FDIC certificate #10243) is based in Golva, North Dakota. Its Q2 2026 call report shows $123.5M in total assets and $110.1M in deposits and 3 offices.

Based on its Q2 2026 filing, First State Bank of Golva scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 56th. Its strongest component is earnings (100/100; 2.29%), and its lowest is loan quality (16/100; 2.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.01%
Loan quality16/100
Noncurrent loans ÷ total loans: 2.51%
Earnings100/100
Return on assets (annualized): 2.29%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 47.9% · 31.6% uninsured
Problem-loan coverage66/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 17.06%

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 rose 3 points (52 → 55), mostly because the loan quality component improved by 16 points.

TellerScore
525455Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202455
Q4 202454
Q1 202553
Q2 202552
Q3 202552
Q4 202554
Q1 202652
Q2 202655
Tier 1 leverage ratio
5.00%7.42%9.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.32%
Q3 20249.58%
Q4 20249.83%
Q1 20259.77%
Q2 20259.61%
Q3 20259.33%
Q4 20259.78%
Q1 20269.48%
Q2 20269.01%
Noncurrent loans
2.51%2.77%3.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.69%
Q3 20242.74%
Q4 20242.92%
Q1 20252.93%
Q2 20253.00%
Q3 20252.93%
Q4 20252.94%
Q1 20263.03%
Q2 20262.51%
Return on assets
2.29%2.58%2.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.84%
Q3 20242.86%
Q4 20242.72%
Q1 20252.53%
Q2 20252.46%
Q3 20252.48%
Q4 20252.52%
Q1 20262.32%
Q2 20262.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$123.5M9.01%2.51%2.29%47.9%
Q1 202652$120.9M9.48%3.03%2.32%39.1%
Q4 202554$117.0M9.78%2.94%2.52%42.2%
Q3 202552$112.4M9.33%2.93%2.48%43.8%
Q2 202552$114.3M9.61%3.00%2.46%41.9%
Q1 202553$112.9M9.77%2.93%2.53%39.8%
Q4 202454$107.7M9.83%2.92%2.72%41.8%
Q3 202455$107.3M9.58%2.74%2.86%45.2%
Q2 202453$110.2M9.32%2.69%2.84%44.2%

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 ratio9.01%
12th
Total risk-based capital16.30%
75th
Problem loans2.51%
8th
Net charge-offs0.00%
68th
Return on assets2.29%
93rd
Net interest margin3.93%
50th
Efficiency ratio40.5%
96th
Loans to deposits47.9%
93rd
Uninsured deposits31.6%
24th
Loan-loss reserves0.78%
10th
Texas ratio17.1%
8th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Lincoln State BankBank Hankinson, ND76 out of 100, Strong$125.1M10.0%0.15%vs
Farmers & Merchants Bank of North DakotaBank Tolna, ND73 out of 100, Strong$119.8M11.0%0.73%vs
McIntosh County BankBank Ashley, ND84 out of 100, Strong$118.7M11.0%0.00%vs
State Bank of BottineauBank Bottineau, ND68 out of 100, Moderate$117.2M8.5%0.06%vs
Turtle Mountain State BankBank Belcourt, ND71 out of 100, Strong$114.1M12.9%1.75%vs
Commercial Bank of MottBank Mott, ND87 out of 100, Very strong$140.0M13.1%0.00%vs

Deposit insurance

Is my money safe at First State Bank of Golva?

Yes. First State Bank of Golva is an FDIC-insured institution (FDIC certificate #10243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.6% of deposits ($34.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.30% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

First State Bank of Golva lists 3 offices in 3 cities. Most locations:

  • Beach, ND (1)
  • Golva, ND (1)
  • Medora, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank of Golva
Type
State-chartered bank
FDIC certificate #
10243
RSSD ID
931159
Primary regulator
FDIC
Established
June 1, 1914
Headquarters
410 Terrell Ave, Golva, ND 58632
Employees
10

Quick answers

First State Bank of Golva: common questions

Is First State Bank of Golva FDIC insured?

Yes. First State Bank of Golva is an FDIC-insured institution (FDIC certificate #10243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Golva's TellerScore?

55 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 First State Bank of Golva ever failed?

There is no failure record for FDIC certificate #10243 in the FDIC failed bank list.

How many branches does First State Bank of Golva have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Golva

InstitutionScoreAssetsCapitalProblem loansCompare
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs