Total Assets
$795.8M
Total Deposits
$615.6M
Branches
13
Established
1891
American Federal Bank is a bank headquartered in Fargo, North Dakota, established in 1891. It holds $795.8M in total assets across 13 branch locations. In our editorial opinion, based on public FDIC/NCUA data, American Federal Bank earns a TFS Financial Health Grade of C+ (71.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
71.0 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| American Federal BankHQ | 215 5th St N | Fargo | ND | 11 |
| American Federal Bank | 201 E Main St S | Ada | MN | 11 |
| American Federal Bank | 304 N Broadway | Crookston | MN | 11 |
| American Federal Bank | 140 Gateway Dr Ne | East Grand Forks | MN | 11 |
| American Federal Bank | 117 S Mill St | Fergus Falls | MN | 11 |
| American Federal Bank | 209 Johnson Ave N | Fosston | MN | 11 |
| American Federal Bank | 157 2nd St Ne | Hallock | MN | 11 |
| American Federal Bank | 601 Center Ave | Moorhead | MN | 11 |
| American Federal Bank | 101 E Johnson Ave | Warren | MN | 11 |
| American Federal Bank | 1301 30th Ave S | Fargo | ND | 11 |
| American Federal Bank | 2551 S Columbia Rd | Grand Forks | ND | 11 |
| American Federal Bank | 504 1st Avenue North | Northwood | ND | 11 |
| American Federal Bank | 615 2nd Ave N | Wahpeton | ND | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
71.0
Tier 1 capital ratio
9.32%
Return on assets
1.06%
Non-performing loans
0.00%
Efficiency ratio
74.11%
Asset growth (YoY)
3.67%
Suggested direct comparisons
$1.9B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.