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American Federal Bank
Fargo, ND · FDIC Certificate #29140 · Chartered 01/0
Total assets
$795.84M
Total deposits
$615.56M
Total equity
$71.33M
Net loans
$678.10M
Branches (offices)
13
Net income (YTD)
$4.14M
Rank: #1,260 of 4,213 U.S. banks by assets · #15 of 60 in North Dakota. Assets changed 3.7% and deposits -0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 11.96% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 8.96% |
| Tier 1 leverage ratio | 9.32% |
| Uninsured deposits (share of deposits) | 23.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 110.2% |
| Real estate loans (share of loans) | 79.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $539.04M | 79.5% | |
| Commercial & industrial | $22.84M | 3.4% | |
| Consumer / individual | $6.01M | 0.9% | |
| Construction & development | $7.03M | 1.0% | |
| Agricultural | $115.43M | 17.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $683.34M | $618.23M | $2.29M | $62.51M |
| Jun 2023 | $702.22M | $578.11M | $4.15M | $62.06M |
| Jun 2024 | $795.95M | $584.23M | $1.96M | $64.96M |
| Jun 2025 | $767.69M | $617.80M | $4.03M | $72.33M |
| Jun 2026 | $795.84M | $615.56M | $4.14M | $71.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $394.63M | 8 |
| North Dakota | $220.93M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $615.56M.
Similar-sized banks
The Pitney Bowes Bank, Inc. ($796.33M) · First Community Bank ($794.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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