---
title: Owner-Occupied CRE Lenders in North Dakota: 83 Hold These Loans
url: https://lender.report/owner-occupied-cre-lenders/north-dakota/
license: https://lender.report/license/
---

Owner-Occupied CRE · ND

# Owner-Occupied CRE lenders in North Dakota

83 lenders with an office in North Dakota hold owner-occupied commercial real estate loans on their books. Bell Bank, based in North Dakota, holds the largest book among those based here, at $1B.

**Evidence**
Lender holds owner-occupied commercial real estate 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**
83

FDIC call report, Jun 30, 2026

**Based here**
66

FDIC call report, Jun 30, 2026

**Held by those based here**
$5.04B

FDIC call report, Jun 30, 2026

+15.0% from a year earlier, 64 of 66 lenders

**Median book, based here**
$13.0M

FDIC call report, Jun 30, 2026

Cite this

Source: The Lender Report, Owner-Occupied CRE lenders in North Dakota, https://lender.report/owner-occupied-cre-lenders/north-dakota/, data as of June 30, 2026.

## Describe a deal in North Dakota

See which of these lenders made loans like yours, at your size and in your place. No account and no form.

[Show owner-occupied CRE loans in North Dakota](https://lender.report/comps/?lane=cre_owner&state=ND)[On this list? Find your page](https://lender.report/for-lenders/?from=market)

| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
| --- | --- | --- | --- | --- | --- |
| [Bell Bank](https://lender.report/lender/bell-bank-nd/) | Bank | Fargo, ND | 12 | $1.01B | +7.6% |
| [Alerus Financial, National Association](https://lender.report/lender/alerus-financial-nd/) | Bank | Grand Forks, ND | 7 | $622M | +41.4% |
| [First International Bank & Trust](https://lender.report/lender/first-international-bank-and-trust-nd/) | Bank | Watford City, ND | 19 | $611M | +10.2% |
| [Choice Financial Group](https://lender.report/lender/choice-financial-group-nd/) | Bank | Fargo, ND | 13 | $421M | +9.5% |
| [Bravera Bank](https://lender.report/lender/bravera-bank-nd/) | Bank | Dickinson, ND | 26 | $347M |  |
| [First Western Bank & Trust](https://lender.report/lender/first-western-bank-and-trust-nd/) | Bank | Minot, ND | 8 | $301M | +9.6% |
| [Cornerstone Bank](https://lender.report/lender/cornerstone-bank-nd/) | Bank | Fargo, ND | 10 | $227M | +27.7% |
| [Western State Bank](https://lender.report/lender/western-state-bank-nd/) | Bank | Devils Lake, ND | 3 | $165M | +24.1% |
| [Starion Bank](https://lender.report/lender/starion-bank-nd/) | Bank | Bismarck, ND | 13 | $164M | +7.1% |
| [Gate City Bank](https://lender.report/lender/gate-city-bank-nd/) | Savings | Fargo, ND | 36 | $140M | +35.4% |
| [Border Bank](https://lender.report/lender/border-bank-nd/) | Bank | Fargo, ND | 2 | $129M | +14.2% |
| [Bank Forward](https://lender.report/lender/bank-forward-nd/) | Bank | Fargo, ND | 10 | $75.8M |  |
| [Dakota Community Bank & Trust, National Association](https://lender.report/lender/dakota-community-bank-and-trust-nd/) | Bank | Hebron, ND | 12 | $62.0M | +39.5% |
| [United Valley Bank](https://lender.report/lender/united-valley-bank-nd/) | Bank | Cavalier, ND | 3 | $60.2M | +12.1% |
| [Town and Country Credit Union](https://lender.report/lender/town-and-country-credit-union-nd/) | Credit union | Minot, ND | 10 | $47.6M |  |
| [First State Bank & Trust](https://lender.report/lender/first-state-bank-and-trust-nd/) | Bank | Williston, ND | 4 | $47.2M | +17.7% |
| [American State Bank & Trust Company of Williston](https://lender.report/lender/american-state-bank-and-trust-company-of-williston-nd/) | Bank | Williston, ND | 2 | $47.1M | +5.0% |
| [First Community Credit Union](https://lender.report/lender/first-community-credit-union-nd/) | Credit union | Jamestown, ND | 24 | $42.5M | +2.7% |
| [Unison Bank](https://lender.report/lender/unison-bank-nd/) | Bank | Jamestown, ND | 3 | $40.8M | +1.6% |
| [First State Bank](https://lender.report/lender/first-state-bank-nd/) | Bank | Buxton, ND | 5 | $39.8M |  |

FDIC call report, Jun 30, 2026

[See all 83 owner-occupied CRE lenders in North Dakota in Loan Comps](https://lender.report/comps/?lane=cre_owner&state=ND)

| Lender | Kind | Based in | Offices here | Holds, nationwide |
| --- | --- | --- | --- | --- |
| [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Bank | Sioux Falls, SD | 11 | $17.8B |
| [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 3 | $14.4B |
| [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Bank | Cincinnati, OH | 15 | $9.01B |
| [BMO Bank National Association](https://lender.report/lender/bmo-bank-il/) | Bank | Chicago, IL | 4 | $8.14B |
| [Old National Bank](https://lender.report/lender/old-national-bank-in/) | Bank | Evansville, IN | 14 | $5.97B |
| [Frandsen Bank & Trust](https://lender.report/lender/frandsen-bank-and-trust-mn/) | Bank | Lonsdale, MN | 1 | $373M |
| [Dacotah Bank](https://lender.report/lender/dacotah-bank-sd/) | Bank | Aberdeen, SD | 9 | $315M |
| [Magnifi Financial Credit Union](https://lender.report/lender/magnifi-financial-credit-union-mn/) | Credit union | Melrose, MN | 2 | $229M |
| [BNC National Bank](https://lender.report/lender/bnc-national-bank-az/) | Bank | Glendale, AZ | 12 | $144M |
| [American Bank & Trust](https://lender.report/lender/american-bank-and-trust-sd/) | Bank | Sioux Falls, SD | 1 | $82.0M |

FDIC call report, Jun 30, 2026

- 66 of these lenders are based in North Dakota, and 17 are based elsewhere with offices here. FDIC call report, Jun 30, 2026
- These lenders: 63 banks, 2 savings institutions and 18 credit unions. FDIC call report, Jun 30, 2026
- Lenders based in North Dakota hold $5B of owner-occupied commercial real estate loans, up 15.0% from a year earlier among the 64 of 66 with a comparable earlier filing. FDIC call report, Jun 30, 2026
- The five largest books based here hold 59.6% of that total. FDIC call report, Jun 30, 2026
- Bell Bank holds $1B, and Alerus Financial, National Association holds $622.2M. FDIC call report, Jun 30, 2026
- The median book among lenders based in North Dakota is $13M. FDIC call report, Jun 30, 2026
- 25 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026
- 11 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026
- These lenders list 500 offices in North Dakota. FDIC office list, Oct 28, 2026
- U.S. Bank National Association, based in Ohio, lists the most offices here among out-of-state lenders, at 15. FDIC office list, Oct 28, 2026
- Among credit unions here, the median average loan in this category is $339K. NCUA 5300, Jun 30, 2026
- The Bank of Tioga grew this book the most in the year, up 84.9% to $10.1M. FDIC call report, Jun 30, 2026

## How this list is defined

**Measure**
owner-occupied commercial real estate loans held by lenders with an office in North Dakota

**Period**
June 30, 2026

**Formula**
The balance of owner-occupied commercial real estate 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](https://api.fdic.gov/banks/financials)

**Changelog**
November 12, 2026: First published, with the data built on this date.

Owner-occupied commercial real estate is property a business uses itself, such as its own plant, shop or office. It is often tied to the business loan.

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 owner-occupied commercial real estate 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](https://lender.report/report/)

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.