Bank · FDIC insured
Border Bank
A $1.1B bank headquartered in Fargo, ND, with 11 branches in 2 states. Best rates: CDs 4.25% and savings 0.50% APY.
Border Bank Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#16 of 25 in Fargo, ND-MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Border Bank
Established in 1935 as Greenbush State Bank, the institution merged with Badger State Bank in 1993 to create Border State Bank before rebranding as Border Bank in 2020.
Border Bank operates two branches in Fargo, North Dakota, and nine branches throughout Minnesota, and owns Northern Ag insurance agency.
- Headquarters
- 4530 17th Ave S, Fargo, ND 58103
- FDIC certificate
- 20776 ↗
Branches
11 branches in 2 states
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Minnesota
9 branches
Badger area · 1
- Badger Branch202 N Main St, Badger, MN 56714Directions
Baudette area · 1
- Baudette Branch605 Main St W, Baudette, MN 56623Directions
Clearbrook area · 1
- Clearbrook Branch123 Main St S, Clearbrook, MN 56634Directions
Minneapolis area · 1
- Coon Rapids Branch9950 Foley Blvd Nw, Coon Rapids, MN 55433Directions
Greenbush area · 1
- Greenbush Branch133 Main St N, Greenbush, MN 56726Directions
International Falls area · 1
- International Falls Branch1414 Highway 71, International Falls, MN 56649Directions
Middle River area · 1
- Middle River Branch150 Hill Ave S, Middle River, MN 56737Directions
Roseau area · 1
- Roseau Office Branch1083 3rd St Nw, Roseau, MN 56751Directions
Thief River Falls area · 1
- Thief River Falls Branch1528 Highway 59 S, Thief River Falls, MN 56701Directions
North Dakota
2 branches
- Border BankMain office4530 17th Ave S, Fargo, ND 58103Directions
- Fargo 32nd Ave Branch3203 32nd Ave S, Fargo, ND 58103Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.07% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.07% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.31% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $98 | $88 | — |
- CapitalLeverage ratio9.07%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.07%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.31%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$98Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Border Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.