$655M
−1.9%y/y
Percentile by value90th percentileby value
FDIC
LNLSGRAF
American Federal Bank
Fargo, North DakotaFDIC Cert #29140
OCCEstablished 189113 branches
Holding company: AMERICAN FEDERAL CORPRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| 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 |
Loan book
Reported balances and balance-sheet intensity.
$648M
−2.0%y/y
Percentile by value90th percentileby value
FDIC
LNLSNET−1.96%
−155.3%y/y
Percentile by value13th percentileby value
FDIC
LNLSNET104.5%
−1.8%y/y
Percentile by value86th percentileby value
FDIC
LNLSNET + DEP84.8%
−1.2%y/y
Percentile by value90th percentileby value
FDIC
LNLSNET + ASSET79.44%
+2.2%y/y
Percentile by value7th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
217%
+0.6%y/y
Percentile by value77th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC12%
−17.5%y/y
Percentile by value27th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,812points
+1.6%y/y
Peer standing97th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.27%
+11.2%y/y
Percentile by value39th percentileby value
FDIC
LNRENROW + LNLSGR8.50%
−2.3%y/y
Percentile by value42nd percentileby value
FDIC
LNRENROT + LNLSGR2.98%
+0.2%y/y
Percentile by value47th percentileby value
FDIC
LNCI + LNLSGR