TellerScore

TruCommunity Bank is a state-chartered bank headquartered in Garrison, North Dakota, in business for about 91 years. At the end of Q2 2026 it reported $338.2M in total assets and $282.3M in deposits, with 4 offices.

TruCommunity Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 51st. Earnings contributes the most (76/100, 1.41%); loan quality contributes the least (27/100, 2.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.06%
Loan quality27/100
Noncurrent loans ÷ total loans: 2.18%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 77.5% · 25.8% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.51%

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 7 points (65 → 58), mostly because the loan quality component weakened by 26 points.

TellerScore
586877Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202477
Q4 202476
Q1 202575
Q2 202565
Q3 202571
Q4 202570
Q1 202667
Q2 202658
Tier 1 leverage ratio
5.00%8.03%11.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.93%
Q3 202410.79%
Q4 202410.82%
Q1 202510.95%
Q2 202510.86%
Q3 202510.68%
Q4 202510.77%
Q1 202610.92%
Q2 202611.06%
Noncurrent loans
0.07%1.12%2.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.07%
Q4 20240.11%
Q1 20250.42%
Q2 20251.40%
Q3 20250.65%
Q4 20250.81%
Q1 20261.20%
Q2 20262.18%
Return on assets
1.14%1.27%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.21%
Q4 20241.14%
Q1 20251.25%
Q2 20251.35%
Q3 20251.38%
Q4 20251.37%
Q1 20261.29%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$338.2M11.06%2.18%1.41%77.5%
Q1 202667$321.0M10.92%1.20%1.29%70.3%
Q4 202570$330.0M10.77%0.81%1.37%76.8%
Q3 202571$330.9M10.68%0.65%1.38%82.2%
Q2 202565$325.8M10.86%1.40%1.35%79.6%
Q1 202575$318.9M10.95%0.42%1.25%68.7%
Q4 202476$308.9M10.82%0.11%1.14%75.3%
Q3 202477$323.7M10.79%0.07%1.21%78.2%
Q2 202477$313.1M10.93%0.08%1.27%75.3%

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 ratio11.06%
52nd
Total risk-based capital0.00%
24th
Problem loans2.18%
11th
Net charge-offs0.00%
57th
Return on assets1.41%
60th
Net interest margin4.36%
73rd
Efficiency ratio60.0%
57th
Loans to deposits77.5%
55th
Uninsured deposits25.8%
43rd
Loan-loss reserves1.40%
73rd
Texas ratio13.5%
12th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Stock Growers BankBank Forman, ND86 out of 100, Very strong$332.9M11.6%0.05%vs
Kirkwood Bank & Trust Co.Bank Bismarck, ND80 out of 100, Strong$351.3M9.9%0.00%vs
The Union BankBank Beulah, ND64 out of 100, Moderate$312.2M10.1%1.38%vs
Security First Bank of North DakotaBank New Salem, ND87 out of 100, Very strong$293.2M13.0%0.00%vs
The Bank of TiogaBank Tioga, ND63 out of 100, Moderate$412.1M9.4%1.15%vs
Dakota Western BankBank Bowman, ND76 out of 100, Strong$416.2M11.6%0.84%vs

Deposit insurance

Is my money safe at TruCommunity Bank?

Yes. TruCommunity Bank is an FDIC-insured institution (FDIC certificate #15306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.8% of deposits ($72.7M) 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 11.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

TruCommunity Bank lists 4 offices in 4 cities. Most locations:

  • Garrison, ND (1)
  • Max, ND (1)
  • Turtle Lake, ND (1)
  • Washburn, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
TruCommunity Bank
Former names
Garrison State Bank; Garrison State Bank and Trust
Type
State-chartered bank
FDIC certificate #
15306
RSSD ID
808653
Primary regulator
FDIC
Holding company
McLean Bank Holding Co
Established
November 2, 1935
Headquarters
102 N Main St, Garrison, ND 58540
Employees
57

Quick answers

TruCommunity Bank: common questions

Is TruCommunity Bank FDIC insured?

Yes. TruCommunity Bank is an FDIC-insured institution (FDIC certificate #15306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TruCommunity Bank's TellerScore?

58 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 TruCommunity Bank ever failed?

There is no failure record for FDIC certificate #15306 in the FDIC failed bank list.

How many branches does TruCommunity Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Garrison

InstitutionScoreAssetsCapitalProblem loansCompare
BNC National BankBank Glendale, AZ71 out of 100, Strong$1.0B12.2%0.84%vs
Bravera BankBank Dickinson, ND67 out of 100, Moderate$3.8B9.7%0.90%vs