Cass County, North Dakota, a core county of the Fargo-Wahpeton, ND-MN market, holds $11.3B in deposits across 28 insured institutions and 76 branches. Bell Bank is the largest deposit holder at 27.5% share. The top three banks hold 49% of deposits, which places the county in the Moderate band. Deposits have grown 0.0% since 2021 while the branch count rose by 7.0%. It produced $14.9B of real gross domestic product in 2024, 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: 71 in 2021 to 76 in 2026. Institutions: 25 to 28. Top-three share: 57% to 49%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Bell Bank | $3.1B | 27.5% | -33% |
| First International Bank & Trust | $1.4B | 12.3% | +48% |
| Gate City Bank | $1.0B | 9.2% | +38% |
| Choice Financial Group | $1.0B | 8.9% | +90% |
| U.S. Bank | $931M | 8.3% | +13% |
| Alerus Financial | $611M | 5.4% | +36% |
| Wells Fargo Bank | $504M | 4.5% | -23% |
| Western State Bank | $455M | 4.0% | +58% |
| Old National Bank | $312M | 2.8% | -19% |
| Cornerstone Bank | $289M | 2.6% | +96% |
| Bravera Bank | $251M | 2.2% | +4% |
| Border Bank | $226M | 2.0% | +71% |
| BankNorth | $218M | 1.9% | +28% |
| Starion Bank | $177M | 1.6% | +39% |
| American Federal Bank | $139M | 1.2% | +1% |
| Bank Forward | $136M | 1.2% | +194% |
| First Western Bank & Trust | $101M | 0.9% | +2% |
| JPMorgan Chase Bank | $65M | 0.6% | no 2021 presence |
| KodaBank | $64M | 0.6% | no 2021 presence |
| BMO Bank | $63M | 0.6% | -88% |
| Dakota Heritage Bank | $40M | 0.4% | +16% |
| Aspire Bank | $40M | 0.4% | +18% |
| Kindred State Bank | $39M | 0.3% | 0% |
| First United Bank | $35M | 0.3% | -8% |
| Hometown Community Bank | $26M | 0.2% | +70% |
| Dacotah Bank | $14M | 0.1% | no 2021 presence |
| United Valley Bank | $12M | 0.1% | no 2021 presence |
| Merchants Bank | $4M | <0.1% | no 2021 presence |
The 28 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 81.7% of its deposits.
| Measure | Cass County | Share of parent market |
|---|---|---|
| 2024 GDP | $14.9B | 80.4% |
| Deposits | $11.3B | 81.7% |
| 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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