Border Bank
Fargo, ND
IDRSSD: 977951
Total Assets
$1.06B
Latest filing
Total Deposits
$912.84M
Latest filing
Net Interest Margin
3.93%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091216133FARGO, ND
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Border Bank
4530 17th Ave S
Fargo, ND 58103
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/21/1972FDIC Certificate 14350
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Border Bank (Main) | 4530 17th Ave S | Fargo, ND |
| THIEF RIVER FALLS BRANCH | 1528 Highway 59 S | Thief River Falls, MN |
| ROSEAU OFFICE BRANCH | 1083 3rd St Nw | Roseau, MN |
| MIDDLE RIVER BRANCH | 150 Hill Ave S | Middle River, MN |
| BADGER BRANCH | 202 N Main St | Badger, MN |
| BAUDETTE BRANCH | 605 Main St W | Baudette, MN |
| COON RAPIDS BRANCH | 9950 Foley Blvd Nw | Coon Rapids, MN |
| FARGO 32ND AVE BRANCH | 3203 32nd Ave S | Fargo, ND |
Showing 7 of 10
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/21/1972 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58103 |
| State and County Number | 38017 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| 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 | 147 |
| Domestic Offices | 11 |
| 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 | 08/21/1972 |
| Primary Insurance Agency | DIF |
| Website | www.border.bank |
| Data Updated | 01/30/2026 |
| CERT | 20776 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.06B |
| Total Deposits | $912.84M |
| Total Liabilities | $970.13M |
| Total Equity Capital | $92.95M |
| Net Income | $3.90M |
| Net Loans and Leases | $890.03M |
| Assets Per Employee ($Millions) | $7.43M |
| Bank Premises and Fixed Assets | $9.78M |
| Cash and Balances due from Depository Institutions | $16.01M |
| Deposits Held in Domestic Offices | $912.84M |
Key Performance Ratios
| Return on Assets (ROA) | 1.49% |
| Return on Equity (ROE) | 17.12% |
| Net Interest Margin | 3.93% |
| Efficiency Ratio | 63% |
| Tier 1 Risk-Based Capital Ratio | 10% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.744% |
| Earning Assets to total Assets | 93.77% |
Income and Expense
| Total Interest Income | $14.95M |
| Total Noninterest Income | $2.23M |
| Total Interest Expense | $5.27M |
| Total Noninterest Expense | $7.57M |
| Net Interest Income | $9.69M |
| Pre-tax Net Operating Income | $3.90M |
| Provision for Credit Losses | $450.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.34M |
| Other borrowed funds | $45.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.78M |
| Total Liabilities and Capital | $1.06B |
Securities
| Securities | $104.17M |
| Available-for-sale debt securities | $103.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Border Bank?
$1.06B as of the latest filing.
How much are Border Bank's total deposits?
$912.84M in total deposits.
Where is Border Bank located?
Fargo, ND.
What is the Net Interest Margin?
3.93%.
How many domestic offices does it operate?
11.
When was it established?
08/21/1972.
What is the Return on Assets (ROA)?
1.49%.
How much are total loans and leases?
$890.03M (latest filing).
What is the total interest income (latest filing)?
$14.95M.