State Rankings & Insights
See how banks across NORTH DAKOTA rank on Efficiency Ratio for 2025Q1. Values are reported in percentage terms as of 2025-03-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 64.12%
- Median: 65.25%
- Min / Max: 38.97% — 84.30%
Top banks by Efficiency Ratio in NORTH DAKOTA
Count
62
Sum
3975.72%
Avg
64.12%
Median
65.25%
Min
38.97%
Max
84.30%
| Bank | City | Efficiency Ratio |
|---|---|---|
| HEARTLAND STATE BANK | EDGELEY | 84.30% |
| GATE CITY BANK | FARGO | 83.63% |
| BORDER BANK | FARGO | 79.62% |
| FARMERS&MERCHANTS BANK OF ND | TOLNA | 79.54% |
| BELL BANK | FARGO | 78.61% |
| UNION STATE BANK OF HAZEN | HAZEN | 77.72% |
| PEOPLES STB FAIRMOUNT N D | FAIRMOUNT | 77.68% |
| CITIZENS STB AT MOHALL | MOHALL | 77.64% |
| GOOSE RIVER BANK | MAYVILLE | 76.16% |
| AMERICAN FEDERAL BANK | FARGO | 75.90% |
| PEOPLES STATE BANK OF VELVA | VELVA | 74.46% |
| PEOPLES STATE BANK | WESTHOPE | 73.52% |
| BANK OF TIOGA | TIOGA | 73.13% |
| FIRST STATE BANK OF CANDO | CANDO | 72.21% |
| FIRST WESTERN BANK&TRUST | MINOT | 70.87% |
| ASPIRE BANK | FARGO | 70.73% |
| UNION BANK | BEULAH | 70.51% |
| CITIZENS STB OF LANKIN | LANKIN | 70.39% |
| STARION BANK | BISMARCK | 70.24% |
| FIRST STATE BANK OF HARVEY | HARVEY | 70.06% |
| LINCOLN STATE BANK | HANKINSON | 70.00% |
| KINDRED STATE BANK | KINDRED | 69.21% |
| STATE BANK&TRUST OF KENMARE | KENMARE | 69.14% |
| FARMERS&MERCHANTS STATE BANK | LANGDON | 67.98% |
| ALERUS FINANCIAL NA | GRAND FORKS | 67.33% |
| HORIZON FINANCIAL BANK | MUNICH | 66.86% |
| FIRST SECURITY BANK WEST | BEULAH | 66.22% |
| UNISON BANK | JAMESTOWN | 66.20% |
| ROLETTE STATE BANK | ROLETTE | 66.12% |
| BANKNORTH | ARTHUR | 66.06% |
| VISIONBANK | FARGO | 65.78% |
| FIRST INTERNATIONAL B&T | WATFORD CITY | 64.71% |
| UNITED VALLEY BANK | CAVALIER | 64.71% |
| BANK FORWARD | FARGO | 64.33% |
| SECURITY FIRST BANK OF ND | NEW SALEM | 64.04% |
| KIRKWOOD BANK&TRUST CO | BISMARCK | 63.77% |
| STATE BANK OF LAKOTA | LAKOTA | 63.21% |
| BRAVERA BANK | DICKINSON | 61.53% |
| CORNERSTONE BANK | FARGO | 61.17% |
| STATE BANK OF BOTTINEAU | BOTTINEAU | 61.14% |
| TRUCOMMUNITY BANK | GARRISON | 61.12% |
| FIRST STATE BANK&TRUST | WILLISTON | 60.31% |
| FIRST UNITED BANK | PARK RIVER | 60.30% |
| KODABANK | DRAYTON | 60.16% |
| DAKOTA COMMUNITY B&T NA | HEBRON | 59.40% |
| MERCHANTS BANK | RUGBY | 57.17% |
| MCINTOSH COUNTY BANK | ASHLEY | 56.36% |
| FIRST NB&T CO OF BOTTINEAU | BOTTINEAU | 55.55% |
| FIRST STATE BANK | BUXTON | 55.01% |
| GRANT COUNTY STATE BANK | CARSON | 54.67% |
| STOCK GROWERS BANK | FORMAN | 53.95% |
| STRASBURG STATE BANK | STRASBURG | 52.97% |
| BANK OF HAZELTON | HAZELTON | 52.19% |
| DAKOTA HERITAGE BANK | HUNTER | 52.09% |
| CHOICE FINANCIAL GROUP | FARGO | 50.88% |
| TURTLE MOUNTAIN STATE BANK | BELCOURT | 49.90% |
| WESTERN STATE BANK | DEVILS LAKE | 48.17% |
| AMERICAN ST B&T CO WILLISTON | WILLISTON | 47.33% |
| DAKOTA WESTERN BANK | BOWMAN | 46.84% |
| COMMERCIAL BANK OF MOTT | MOTT | 46.31% |
| LIBERTY STATE BANK | POWERS LAKE | 39.64% |
| FIRST STATE BANK OF GOLVA | GOLVA | 38.97% |