County banking markets / ND / 38017
CassNorth Dakota
FIPS 38017. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 51 counties in North Dakota’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (686) and moderately concentrated on deposits (1,515).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
45 branch offices and 19 institutions in 1994; 77 and 28 in 2025. Deposits booked in the county went from $1.50B to $11.12B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Bell Bank cert 19581 | $3.71B | 33.42% | 9 | 11.69% |
| 2 | First International Bank & Trust cert 10248 | $1.15B | 10.32% | 3 | 3.90% |
| 3 | U.S. Bank National Association cert 6548 | $983.3M | 8.85% | 6 | 7.79% |
| 4 | Gate City Bank cert 27774 | $935.2M | 8.41% | 13 | 16.88% |
| 5 | Choice Financial Group cert 9423 | $772.8M | 6.95% | 2 | 2.60% |
| 6 | Alerus Financial, National Association cert 3931 | $532.7M | 4.79% | 3 | 3.90% |
| 7 | Wells Fargo Bank, National Association cert 3511 | $481.8M | 4.33% | 4 | 5.19% |
| 8 | Old National Bank cert 3832 | $439.0M | 3.95% | 2 | 2.60% |
| 9 | Western State Bank cert 9123 | $434.2M | 3.91% | 2 | 2.60% |
| 10 | VISIONBank cert 57892 | $264.2M | 2.38% | 3 | 3.90% |
| 11 | Cornerstone Bank cert 13198 | $228.8M | 2.06% | 1 | 1.30% |
| 12 | BankNorth cert 8387 | $197.8M | 1.78% | 4 | 5.19% |
| 13 | Border Bank cert 20776 | $196.6M | 1.77% | 2 | 2.60% |
| 14 | American Federal Bank cert 29140 | $142.1M | 1.28% | 2 | 2.60% |
| 15 | Starion Bank cert 33758 | $139.8M | 1.26% | 3 | 3.90% |
| 16 | First Western Bank & Trust cert 19123 | $78.1M | 0.70% | 3 | 3.90% |
| 17 | BMO Bank National Association cert 16571 | $61.3M | 0.55% | 1 | 1.30% |
| 18 | Bank Forward cert 8941 | $55.4M | 0.50% | 1 | 1.30% |
| 19 | JPMorgan Chase Bank, National Association cert 628 | $53.4M | 0.48% | 3 | 3.90% |
| 20 | Aspire Bank cert 3934 | $42.2M | 0.38% | 1 | 1.30% |
| 21 | Kindred State Bank cert 8946 | $39.9M | 0.36% | 1 | 1.30% |
| 22 | Dakota Heritage Bank cert 16231 | $38.9M | 0.35% | 2 | 2.60% |
| 23 | KodaBank cert 8386 | $38.6M | 0.35% | 1 | 1.30% |
| 24 | First United Bank cert 15472 | $31.9M | 0.29% | 1 | 1.30% |
| 25 | Hometown Community Bank cert 10197 | $26.4M | 0.24% | 1 | 1.30% |
| 26 | First Interstate Bank cert 1105 | $23.0M | 0.21% | 1 | 1.30% |
| 27 | Dacotah Bank cert 17437 | $10.5M | 0.09% | 1 | 1.30% |
| 28 | Merchants Bank cert 8943 | $4.9M | 0.04% | 1 | 1.30% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to North Dakota, or read the methodology for the two HHI constructions and what they cannot tell you.