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Distressed Note Industry
North Dakota Consumer Loans
Analyzing consumer loans loan performance across 150 North Dakota banks
As of Q2 2025, 150 North Dakota banks report consumer loans portfolios totaling $2.1B. Non-performing loans in this category total $9.5M — an average NPL ratio of 0.45% — with $10.6M 30-89 days delinquent, $2.4M 90+ days delinquent, and $7.1M in nonaccrual status. The most distressed lender in this category is FIRST UNITED BANK (ND) with an NPL ratio of 20.03%.
Total Lenders
150
Total Loan Portfolio
$2.1B
Total NPL
$9.5M
Average NPL %
0.45%
Delinquency Breakdown
30-89 Days
$10.6M
90+ Days
$2.4M
Nonaccrual
$7.1M
Charge-offs
$4.4M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in North Dakota
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST UNITED BANK | ND | $4.9M | $988K | 20.03% |
| FIRST UNITED BANK | ND | $4.9M | $988K | 20.03% |
| STATE BANK OF LAKOTA | ND | $1.3M | $61K | 4.64% |
| STATE BANK OF LAKOTA | ND | $1.3M | $61K | 4.64% |
| FIRST STATE BANK OF CANDO | ND | $850K | $21K | 2.47% |
| FIRST STATE BANK OF CANDO | ND | $850K | $21K | 2.47% |
| STARION BANK | ND | $10.1M | $104K | 1.03% |
| STARION BANK | ND | $10.5M | $106K | 1.01% |
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Consumer Loans in Other States
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