$669M
+5.9%y/y
Percentile by value74th percentileby value
FDIC
ASSETB
BankNorth
Arthur, North DakotaFDIC Cert #8387
STATEEstablished 190511 branches
Holding company: FIRST FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBankNorth reported $669M in total assets. Deposits grew 7.80% over the prior year.
Return on assets was 1.74%, compared with an asset-peer median of 1.22%. The leverage ratio was 10.22%.
- Why is CRE Concentration to Capital below asset peers?
- Why is Total Assets above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$572M
+7.8%y/y
Percentile by value73rd percentileby value
FDIC
DEP$586M
+8.7%y/y
Percentile by value88th percentileby value
FDIC
LNLSNET1.74%
+23 bpsy/y
Peer standing79th percentile
FDIC
NETINC + ROA58.82%
−724 bpsy/y
Peer standing61st percentile
FDIC
NONIX + NIM + NONII + EEFFR10.22%
+3 bpsy/y
Peer standing41st percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $446M | $393M |
| Q3 2021 | $530M | $376M |
| Q4 2021 | $490M | $436M |
| Q1 2022 | $517M | $462M |
| Q2 2022 | $496M | $440M |
| Q3 2022 | $499M | $428M |
| Q4 2022 | $516M | $455M |
| Q1 2023 | $515M | $453M |
| Q2 2023 | $540M | $407M |
| Q3 2023 | $549M | $403M |
| Q4 2023 | $582M | $459M |
| Q1 2024 | $579M | $448M |
| Q2 2024 | $609M | $423M |
| Q3 2024 | $616M | $434M |
| Q4 2024 | $649M | $511M |
| Q1 2025 | $632M | $531M |
| Q2 2025 | $651M | $500M |
| Q3 2025 | $681M | $503M |
| Q4 2025 | $697M | $551M |
| Q1 2026 | $669M | $572M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $26.8M |
| Investor CRE | $11.5M |
| Multifamily | $1.12M |
| Construction | $4.11M |
| 1–4 family | $18.3M |
| C&I | $58.1M |
| Agriculture | $454M |
| Other | $18.7M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%79th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE15.52%70th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY5.07%95th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR58.82%61st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+7.80%73rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+8.74%66th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.43%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ10.22%41st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.70%35th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC22%4th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%77th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.90%Median 1.29%90th 1.96%Observations 61
ROE
FDIC
NETINC + ROE15.52%68th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 9.05%Median 13.85%90th 20.44%Observations 61
NIM
FDIC
NIM + NIMY5.07%98th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.73%90th 4.34%Observations 61
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR58.82%60th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.62%Median 62.77%90th 71.02%Observations 61
Deposits YoY
FDIC
DEP+7.80%73rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.30%Median +3.73%90th +11.82%Observations 61
Loans YoY
FDIC
LNLSNET+8.74%72nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.48%Median +3.63%90th +13.56%Observations 61
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.43%57th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.51%90th 2.04%Observations 61
Leverage
FDIC
RBC1AAJ10.22%55th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.01%Median 10.13%90th 13.04%Observations 61
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.70%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.36%90th 3.00%Observations 61
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC22%21st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 16%Median 60%90th 253%Observations 30
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%67th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.98%Median 1.60%90th 2.28%Observations 16
ROE
FDIC
NETINC + ROE15.52%47th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 10.88%Median 16.49%90th 24.97%Observations 16
NIM
FDIC
NIM + NIMY5.07%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.99%Median 3.77%90th 4.31%Observations 16
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR58.82%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.00%Median 57.60%90th 68.19%Observations 16
Deposits YoY
FDIC
DEP+7.80%93rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.02%Median +1.08%90th +7.09%Observations 16
Loans YoY
FDIC
LNLSNET+8.74%67th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.00%Median +5.43%90th +13.47%Observations 16
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.43%47th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.36%90th 1.51%Observations 16
Leverage
FDIC
RBC1AAJ10.22%53rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.20%Median 10.20%90th 11.91%Observations 16
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.70%13th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.71%Median 2.44%90th 2.71%Observations 16
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC22%17th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 16%Median 57%90th 231%Observations 7
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 11 branches
- Headquarters
- Arthur, ND
FDIC
OFFDOMOpen the North Dakota dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data