American Federal Bank is a bank based in Fargo, North Dakota, established in 1891, with $764 million in total assets across 13 branches. By Trust Grade it ranks 37th of 60 banks we track in North Dakota. Its capital ratio of 9.0% trails most similarly sized banks (30th percentile), versus a North Dakota median of 9.5%. It was profitable over the most recent period, with a 0.90% return on assets. No consumer complaints against American Federal Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How American Federal Bank compares to North Dakota peers
How we graded American Federal Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.0% capital ratio)
- Profitable (ROA 0.90%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for American Federal Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (13)
- 209 Johnson Ave N, Fosston, MN 56542
- 615 2nd Ave N, Wahpeton, ND 58075
- 1301 30th Ave S, Fargo, ND 58103
- 304 N Broadway, Crookston, MN 56716
- 201 E Main St S, Ada, MN 56510
- 601 Center Ave, Moorhead, MN 56560
- 101 E Johnson Ave, Warren, MN 56762
- 117 S Mill St, Fergus Falls, MN 56537
- 504 1st Avenue North, Northwood, ND 58267
- 140 Gateway Dr Ne, East Grand Forks, MN 56721
- 2551 S Columbia Rd, Grand Forks, ND 58201
- 215 5th St N, Fargo, ND 58102
- 157 2nd St Ne, Hallock, MN 56728
Are deposits at American Federal Bank insured?
Yes. American Federal Bank is an FDIC-insured bank (FDIC certificate #29140). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
American Federal Bank: frequently asked questions
Is American Federal Bank a good bank?
American Federal Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.0% capital ratio); Profitable (ROA 0.90%).
Is American Federal Bank FDIC-insured?
Yes. American Federal Bank is a FDIC-insured bank (FDIC certificate #29140). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is American Federal Bank?
American Federal Bank holds $764 million in total assets, ranking 37th of 60 banks we track in North Dakota. It operates 13 branches.
Does American Federal Bank have CFPB complaints?
No CFPB complaints against American Federal Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
