Construction · ND
Construction lenders in North Dakota
67 lenders with an office in North Dakota hold construction and land loans on their books. First International Bank & Trust, based in North Dakota, holds the largest book among those based here, at $534.1M.
- Evidence
- Lender holds construction and land loans on its books at the latest filing and has an office in North Dakota
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 67
- FDIC call report,
- Based here
- 51
- FDIC call report,
- Held by those based here
- $2.49B
- FDIC call report,
- -4.6% from a year earlier, 49 of 51 lenders
- Median book, based here
- $7.13M
- FDIC call report,
Cite this
Source: The Lender Report, Construction lenders in North Dakota, https://lender.report/construction-lenders/north-dakota/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| First International Bank & Trust | Bank | Watford City, ND | 19 | $534M | +40.2% |
| Bell Bank | Bank | Fargo, ND | 12 | $433M | +15.8% |
| Choice Financial Group | Bank | Fargo, ND | 13 | $196M | |
| Bravera Bank | Bank | Dickinson, ND | 26 | $171M | |
| First Western Bank & Trust | Bank | Minot, ND | 8 | $142M | +0.7% |
| Western State Bank | Bank | Devils Lake, ND | 3 | $135M | |
| Starion Bank | Bank | Bismarck, ND | 13 | $119M | +10.1% |
| Alerus Financial, National Association | Bank | Grand Forks, ND | 7 | $111M | |
| Gate City Bank | Savings | Fargo, ND | 36 | $92.5M | +13.9% |
| Cornerstone Bank | Bank | Fargo, ND | 10 | $82.6M | +1.1% |
| Unison Bank | Bank | Jamestown, ND | 3 | $74.4M | +18.1% |
| First Community Credit Union | Credit union | Jamestown, ND | 24 | $60.0M | +11.3% |
| Bank Forward | Bank | Fargo, ND | 10 | $60.0M | |
| First State Bank | Bank | Buxton, ND | 5 | $31.1M | +136.9% |
| Dakota Community Bank & Trust, National Association | Bank | Hebron, ND | 12 | $27.5M | +84.4% |
| Border Bank | Bank | Fargo, ND | 2 | $27.3M | |
| Security First Bank of North Dakota | Bank | New Salem, ND | 5 | $25.3M | +2.5% |
| Kirkwood Bank & Trust Co. | Bank | Bismarck, ND | 4 | $18.7M | |
| United Valley Bank | Bank | Cavalier, ND | 3 | $16.7M | |
| First United Bank | Bank | Park River, ND | 19 | $15.5M |
See all 67 construction lenders in North Dakota in Loan Comps
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 3 | $18.8B |
| Wells Fargo Bank, National Association | Bank | Sioux Falls, SD | 11 | $12.5B |
| U.S. Bank National Association | Bank | Cincinnati, OH | 15 | $9.38B |
| BMO Bank National Association | Bank | Chicago, IL | 4 | $4.49B |
| Old National Bank | Bank | Evansville, IN | 14 | $2.45B |
| Dacotah Bank | Bank | Aberdeen, SD | 9 | $295M |
| Magnifi Financial Credit Union | Credit union | Melrose, MN | 2 | $259M |
| Frandsen Bank & Trust | Bank | Lonsdale, MN | 1 | $166M |
| Service Credit Union | Credit union | Portsmouth, NH | 1 | $61.1M |
| American Bank & Trust | Bank | Sioux Falls, SD | 1 | $56.3M |
- 51 of these lenders are based in North Dakota, and 16 are based elsewhere with offices here. FDIC call report,
- These lenders: 52 banks, 2 savings institutions and 13 credit unions. FDIC call report,
- Lenders based in North Dakota hold $2.5B of construction and land loans, down 4.6% from a year earlier among the 49 of 51 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 59.3% of that total. FDIC call report,
- First International Bank & Trust holds $534.1M, and Bell Bank holds $433M. FDIC call report,
- The median book among lenders based in North Dakota is $7.1M. FDIC call report,
- 24 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 8 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 458 offices in North Dakota. FDIC office list,
- U.S. Bank National Association, based in Ohio, lists the most offices here among out-of-state lenders, at 15. FDIC office list,
- Among credit unions here, the median average loan in this category is $571K. NCUA 5300,
- First State Bank grew this book the most in the year, up 136.9% to $31.1M. FDIC call report,
How this list is defined
- Measure
- construction and land loans held by lenders with an office in North Dakota
- Period
- June 30, 2026
- Formula
- The balance of construction and land loans on the lender's June 30, 2026 filing, for a lender with an office in North Dakota. A balance held, not loans made.
- Order
- Largest first by the book held at the latest filing, then name. Payment is not part of the order.
- As of
- June 30, 2026
- Source
- FDIC call report
- Changelog
- : First published, with the data built on this date.
Construction and land development loans finance building and site work, for homes and for commercial projects. Banks report them in one balance.
Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book.
Growth appears only where a book grew over the 12 months. Each lender's own page has its full record.
A lender counts here if it holds construction and land loans on its books at the latest filing and has an office in North Dakota. Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.