American Federal Bank
Fargo, ND
IDRSSD: 637170
Total Assets
$770.46M
Latest filing
Total Deposits
$597.48M
Latest filing
Net Interest Margin
4.01%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
American Federal Bank
215 5th St N
Fargo, ND 58102
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1891FDIC Certificate 41974
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| American Federal Bank (Main) | 215 5th St N | Fargo, ND |
| FOSSTON BRANCH | 209 Johnson Ave N | Fosston, MN |
| WAPHETON BRANCH | 615 2nd Ave N | Wahpeton, ND |
| FARGO SOUTH BRANCH | 1301 30th Ave S | Fargo, ND |
| CROOKSTON BRANCH | 304 N Broadway | Crookston, MN |
| ADA BRANCH | 201 E Main St S | Ada, MN |
| MOORHEAD BRANCH | 601 Center Ave | Moorhead, MN |
| WARREN BRANCH | 101 E Johnson Ave | Warren, MN |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58102 |
| State and County Number | 38017 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Fargo, ND-MN |
Operational Info
| Number of Employees | 131 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.americanfederalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 29140 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $770.46M |
| Total Deposits | $597.48M |
| Total Liabilities | $695.62M |
| Total Equity Capital | $74.84M |
| Net Income | $2.57M |
| Net Loans and Leases | $658.27M |
| Assets Per Employee ($Millions) | $5.97M |
| Bank Premises and Fixed Assets | $10.04M |
| Cash and Balances due from Depository Institutions | $9.70M |
| Deposits Held in Domestic Offices | $597.48M |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 13.97% |
| Net Interest Margin | 4.01% |
| Efficiency Ratio | 69.17% |
| Tier 1 Risk-Based Capital Ratio | 13.73% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.714% |
| Earning Assets to total Assets | 94.42% |
Income and Expense
| Total Interest Income | $10.90M |
| Total Noninterest Income | $1.09M |
| Total Interest Expense | $3.62M |
| Total Noninterest Expense | $5.79M |
| Net Interest Income | $7.28M |
| Pre-tax Net Operating Income | $2.58M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $94.17M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.98M |
| Total Liabilities and Capital | $770.46M |
Securities
| Securities | $68.96M |
| Available-for-sale debt securities | $68.89M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Federal Bank?
$770.46M as of the latest filing.
How much are American Federal Bank's total deposits?
$597.48M in total deposits.
Where is American Federal Bank located?
Fargo, ND.
What is the Net Interest Margin?
4.01%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1891.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$658.27M (latest filing).
What is the total interest income (latest filing)?
$10.90M.