American Federal Bank

Fargo, North DakotaFDIC Cert #29140

OCCEstablished 189113 branches

Holding company: AMERICAN FEDERAL CORPRegulator: OCC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

American Federal Bank reported $764M in total assets. Deposits declined 0.14% over the prior year.

Return on assets was 0.90%, compared with the official FFIEC UBPR peer median of 0.62%. The leverage ratio was 9.06%.

Why is Total Assets above its official FFIEC UBPR peers?
Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
Why is Tier 1 Leverage Ratio below its official FFIEC UBPR 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

Assets

$764M

−0.8%y/y

Percentile by value80th percentileby value

FDICASSET

Deposits

$620M

−0.1%y/y

Percentile by value81st percentileby value

FDICDEP

Net loans

$648M

−2.0%y/y

Percentile by value90th percentileby value

FDICLNLSNET

ROA

0.90%

−5 bpsy/y

Peer standing75th percentile

FDICNETINC + ROA

Efficiency

78.13%

+223 bpsy/y

Peer standing50th percentile

FDICNONIX + NIM + NONII + EEFFR

Leverage

9.06%

−8 bpsy/y

Peer standing13th percentile

FDICRBC1AAJ

Percentiles compare this bank with 152 ffiec ubpr peer group 102 — insured savings banks having assets between $300 million and $1 billion.

Side-by-side comparison

American Federal Bank beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics

FFIEC UBPR peer group

ROA

This bank

0.90%

Registry median

0.62%

ROE

This bank

10.20%

FFIEC trimmed average

5.33%

NIM

This bank

3.94%

Registry median

3.27%

Efficiency

This bank

78.13%

Registry median

78.14%

Deposits YoY

This bank

−0.14%

FFIEC trimmed average

+3.50%

Loans YoY

This bank

−1.96%

FFIEC trimmed average

+4.57%

Noncurrent %

This bank

0.07%

FFIEC trimmed average

0.58%

Leverage

This bank

9.06%

FFIEC trimmed average

12.68%

IB deposit cost

This bank

2.63%

Registry median

2.50%

CRE/capital

This bank

217%

Registry median

126%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Assets and deposits by reporting quarter
Quarter	Assets	Deposits
Q2 2021	$669M	$577M
Q3 2021	$684M	$586M
Q4 2021	$684M	$615M
Q1 2022	$687M	$623M
Q2 2022	$683M	$618M
Q3 2022	$674M	$606M
Q4 2022	$712M	$645M
Q1 2023	$676M	$600M
Q2 2023	$702M	$578M
Q3 2023	$739M	$576M
Q4 2023	$748M	$608M
Q1 2024	$743M	$588M
Q2 2024	$796M	$584M
Q3 2024	$814M	$578M
Q4 2024	$795M	$613M
Q1 2025	$771M	$621M
Q2 2025	$768M	$618M
Q3 2025	$770M	$597M
Q4 2025	$783M	$632M
Q1 2026	$764M	$620M

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$34.5M
Investor CRE	$55.7M
Multifamily	$103M
Construction	$9.09M
1–4 family	$174M
C&I	$19.5M
Agriculture	$252M
Other	$7.76M

FFIEC UBPR comparison

How this bank compares

FFIEC UBPR peer group

UnfavorableFavorable

ROA

FDICNETINC + ROA

0.90%75th percentile

10th 0.08%Median 0.62%90th 1.27%Observations 152

ROE

FDICNETINC + ROE

10.20%84th percentile

10th 0.81%Median 5.10%90th 11.70%Observations 152

NIM

FDICNIM + NIMY

3.94%86th percentile

10th 2.32%Median 3.27%90th 4.17%Observations 152

Efficiency

FDICNONIX + NIM + NONII + EEFFR

78.13%50th percentile

10th 57.00%Median 78.14%90th 96.23%Observations 152

Deposits YoY

FDICDEP

−0.14%24th percentileby value

10th −2.99%Median +3.06%90th +10.97%Observations 152

Loans YoY

FDICLNLSNET

−1.96%13th percentileby value

10th −2.45%Median +4.37%90th +13.07%Observations 151

Noncurrent %

FDICP9ASSET + NAASSET + LNLSGR

0.07%15th percentile

10th 0.03%Median 0.40%90th 1.81%Observations 151

Leverage

FDICRBC1AAJ

9.06%13th percentile

10th 8.69%Median 11.69%90th 19.02%Observations 152

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

FDICEINTEXP + DEPIDOM

2.63%43rd percentile

10th 1.62%Median 2.50%90th 3.50%Observations 151

CRE/capital

FDICLNRENROT + LNREMULT + LNRECONS + RBC

217%77th percentileby value

10th 19%Median 126%90th 290%Observations 98

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. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices: 13 branches
Headquarters: Fargo, ND

FDICOFFDOMOpen the North Dakota dashboard →

History

Jan 1, 1891Institution established

Filings

Q1 2026 Call ReportMar 31, 2026

Q4 2025 Call ReportDec 31, 2025

Q3 2025 Call ReportSep 30, 2025

Q2 2025 Call ReportJun 30, 2025

Public data, presented without a proprietary bank rating.FDIC source data