Turtle Mountain State Bank is a state-chartered bank headquartered in Belcourt, North Dakota, in business for about 19 years. At the end of Q2 2026 it reported $114.1M in total assets and $99.8M in deposits, with 1 office.
Based on its Q2 2026 filing, Turtle Mountain State Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 30th. Its strongest component is earnings (100/100; 2.33%), and its lowest is loan quality (42/100; 1.75%).
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
From Q2 2025 to Q2 2026, the score fell 7 points (78 → 71), mostly because the loan quality component weakened by 55 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 67 |
| Q4 2024 | 80 |
| Q1 2025 | 79 |
| Q2 2025 | 78 |
| Q3 2025 | 81 |
| Q4 2025 | 84 |
| Q1 2026 | 80 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.61% |
| Q3 2024 | 10.35% |
| Q4 2024 | 10.82% |
| Q1 2025 | 10.53% |
| Q2 2025 | 10.34% |
| Q3 2025 | 11.20% |
| Q4 2025 | 11.99% |
| Q1 2026 | 12.59% |
| Q2 2026 | 12.85% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 1.35% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.40% |
| Q2 2026 | 1.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.61% |
| Q3 2024 | 3.56% |
| Q4 2024 | 3.56% |
| Q1 2025 | 2.26% |
| Q2 2025 | 2.90% |
| Q3 2025 | 2.85% |
| Q4 2025 | 2.79% |
| Q1 2026 | 1.84% |
| Q2 2026 | 2.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $114.1M | 12.85% | 1.75% | 2.33% | 40.6% |
| Q1 2026 | 80 | $111.4M | 12.59% | 0.40% | 1.84% | 36.0% |
| Q4 2025 | 84 | $117.4M | 11.99% | 0.00% | 2.79% | 35.0% |
| Q3 2025 | 81 | $119.4M | 11.20% | 0.00% | 2.85% | 34.5% |
| Q2 2025 | 78 | $132.4M | 10.34% | 0.08% | 2.90% | 33.0% |
| Q1 2025 | 79 | $135.0M | 10.53% | 0.00% | 2.26% | 30.0% |
| Q4 2024 | 80 | $125.6M | 10.82% | 0.00% | 3.56% | 32.3% |
| Q3 2024 | 67 | $150.3M | 10.35% | 1.35% | 3.56% | 26.7% |
| Q2 2024 | 58 | $146.8M | 9.61% | 1.98% | 3.61% | 26.8% |
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 |
|---|---|---|---|---|---|
| State Bank of BottineauBank Bottineau, ND | 68 out of 100, Moderate | $117.2M | 8.5% | 0.06% | vs |
| McIntosh County BankBank Ashley, ND | 84 out of 100, Strong | $118.7M | 11.0% | 0.00% | vs |
| Farmers & Merchants Bank of North DakotaBank Tolna, ND | 73 out of 100, Strong | $119.8M | 11.0% | 0.73% | vs |
| First State Bank of GolvaBank Golva, ND | 55 out of 100, Moderate | $123.5M | 9.0% | 2.51% | vs |
| Strasburg State BankBank Strasburg, ND | 74 out of 100, Strong | $104.2M | 8.7% | 0.00% | vs |
| Lincoln State BankBank Hankinson, ND | 76 out of 100, Strong | $125.1M | 10.0% | 0.15% | vs |
Deposit insurance
Is my money safe at Turtle Mountain State Bank?
Yes. Turtle Mountain State Bank is an FDIC-insured institution (FDIC certificate #58586). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 76.3% of deposits ($76.2M) 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 12.85%, 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%).
1 location
Branches
Turtle Mountain State Bank lists 1 office in 1 city. Most locations:
- Belcourt, ND (1)
Identity & history
Profile
- Legal name
- Turtle Mountain State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58586
- RSSD ID
- 3626184
- Primary regulator
- FDIC
- Established
- December 3, 2007
- Headquarters
- 908 Chief Little Shell Street, Belcourt, ND 58316
- Website
- www.tmstatebank.com
- Employees
- 17
Quick answers
Turtle Mountain State Bank: common questions
Is Turtle Mountain State Bank FDIC insured?
Yes. Turtle Mountain State Bank is an FDIC-insured institution (FDIC certificate #58586). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Turtle Mountain State Bank's TellerScore?
71 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 Turtle Mountain State Bank ever failed?
There is no failure record for FDIC certificate #58586 in the FDIC failed bank list.
How many branches does Turtle Mountain State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Belcourt
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rolette State BankBank Rolette, ND | 78 out of 100, Strong | $51.5M | 9.9% | 0.04% | vs |
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |
| Starion BankBank Bismarck, ND | 56 out of 100, Moderate | $2.1B | 9.4% | 1.45% | vs |
| Dacotah BankBank Aberdeen, SD | 55 out of 100, Moderate | $4.9B | 10.1% | 1.52% | vs |