Cass County, North Dakota, a core county of the Fargo-Wahpeton, ND-MN market, holds $11.1B in deposits across 28 insured institutions and 77 branches. Bell Bank is the largest deposit holder at 33.4% share. The top three institutions hold 52.6% of deposits, which places the county in the moderately concentrated band. Deposits have grown 19.9% since 2020 while the branch count rose by 6.9%. It produces $14.9B of output, ranking #272 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 72 in 2020 to 77 in 2025. Institutions: 25 to 28. Top-three share: 57.5% to 52.6%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Bell Bank | $3.7B | 33.4% | -6% |
| First International Bank & Trust | $1.1B | 10.3% | +56% |
| U.S. Bank | $983M | 8.8% | +49% |
| Gate City Bank | $935M | 8.4% | +49% |
| Choice Financial Group | $773M | 7.0% | +88% |
| Alerus Financial | $533M | 4.8% | +30% |
| Wells Fargo Bank | $482M | 4.3% | -15% |
| Old National Bank | $439M | 3.9% | +34% |
| Western State Bank | $434M | 3.9% | +46% |
| VISIONBank | $264M | 2.4% | +30% |
| Cornerstone Bank | $229M | 2.1% | +80% |
| BankNorth | $198M | 1.8% | +69% |
| Border Bank | $197M | 1.8% | +73% |
| American Federal Bank | $142M | 1.3% | +11% |
| Starion Bank | $140M | 1.3% | +16% |
| First Western Bank & Trust | $78M | 0.7% | no 2020 presence |
| BMO Bank | $61M | 0.6% | -67% |
| Bank Forward | $55M | 0.5% | +69% |
| JPMorgan Chase Bank | $53M | 0.5% | no 2020 presence |
| Aspire Bank | $42M | 0.4% | +43% |
| Kindred State Bank | $40M | 0.4% | +39% |
| Dakota Heritage Bank | $39M | 0.3% | +27% |
| KodaBank | $39M | 0.3% | no 2020 presence |
| First United Bank | $32M | 0.3% | no 2020 presence |
| Hometown Community Bank | $26M | 0.2% | +77% |
| First Interstate Bank | $23M | 0.2% | +170% |
| Dacotah Bank | $11M | 0.1% | no 2020 presence |
| Merchants Bank | $5M | 0.0% | no 2020 presence |
The 28 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Fargo-Wahpeton market
Cass County is one of 4 counties that make up the Fargo-Wahpeton, ND-MN market, a Combined Statistical Area (ranked #142 of 293 U.S. markets by economic output). It produces 80.4% of the market’s output and holds 82.0% of its deposits.
| Measure | Cass County | Share of parent market |
|---|---|---|
| 2024 GDP | $14.9B | 80.4% |
| Deposits | $11.1B | 82.0% |
| Population | 201,794 | 69.0% |
View the full Fargo-Wahpeton market profile →
Recruiting in Cass County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Cass County.
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