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Distressed Note Industry
North Dakota Consumer Loans
Analyzing consumer loans loan performance across 150 North Dakota banks
As of Q3 2025, 150 North Dakota banks report consumer loans portfolios totaling $2.1B. Non-performing loans in this category total $7.3M — an average NPL ratio of 0.35% — with $11.0M 30-89 days delinquent, $348K 90+ days delinquent, and $7.0M in nonaccrual status. The most distressed lender in this category is STATE BANK OF LAKOTA (ND) with an NPL ratio of 2.63%.
Total Lenders
150
Total Loan Portfolio
$2.1B
Total NPL
$7.3M
Average NPL %
0.35%
Delinquency Breakdown
30-89 Days
$11.0M
90+ Days
$348K
Nonaccrual
$7.0M
Charge-offs
$6.4M
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 % |
|---|---|---|---|---|
| STATE BANK OF LAKOTA | ND | $1.3M | $35K | 2.63% |
| STATE BANK OF LAKOTA | ND | $1.3M | $35K | 2.63% |
| KINDRED STATE BANK | ND | $2.6M | $52K | 2.01% |
| STARION BANK | ND | $449K | $9K | 2.00% |
| KINDRED STATE BANK | ND | $2.7M | $52K | 1.95% |
| HORIZON FINANCIAL BANK | ND | $89K | $1K | 1.12% |
| STARION BANK | ND | $9.7M | $87K | 0.90% |
| STARION BANK | ND | $9.2M | $78K | 0.84% |
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Consumer Loans in Other States
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