Bank · FDIC insured
First State Bank of Golva
A $123.5M bank headquartered in Golva, ND, with 3 branches in North Dakota. Best rates: CDs 3.22% and savings 0.75% APY.
First State Bank of Golva Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#5 of 8 in Dickinson, ND metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank of Golva
Founded in 1914, First State Bank of Golva operates three branches in Beach, Golva, and Medora, North Dakota, and has been owned by the Baertsch family since 1989.
The bank expanded its community banking service to Beach in 1996 and added its Medora location in 2001.
- Headquarters
- 410 Terrell Ave, Golva, ND 58632
- FDIC certificate
- 10243 ↗
Branches
3 branches in North Dakota
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North Dakota
3 branches
Golva area · 1
- First State Bank of GolvaMain office410 Terrell Ave, Golva, ND 58632Directions
Beach area · 1
- Beach Branch123 1st Ave Se, Beach, ND 58621Directions
Dickinson area · 1
- Medora Branch365 3rd Avenue, Medora, ND 58645Directions
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 | 9.02% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.51% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.29% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $48 | $81 | — |
- CapitalLeverage ratio9.02%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.51%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.29%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$48Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 First State Bank of Golva are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.