Market Intelligence

Oliver County, ND

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market IntelligenceBismarck, ND › Oliver County

Oliver County, North Dakota, a county in the Bismarck, ND market, holds $46M in deposits across 1 insured institution and 1 branch. Security First Bank of North Dakota is the largest deposit holder at 100.0% share. The top three institutions hold 100.0% of deposits, which places the county in the concentrated band. Deposits have grown 31.3% since 2020. It produces $238M of output, ranking #1,472 of the 1,523 counties within a CSA or MSA by economic output.

Economic scale
2024 Real GDP
$238M
#1,472 of 1,523
Population
1,898
#1,520 of 1,523
GDP per Capita
$125,202
#33 of 1,523
Deposit market
Total Deposits
$46M
#1,513 of 1,523
Deposits per Capita
$24,327
#642 of 1,523
Deposits per Branch
$46M
#1,417 of 1,523
Competitive structure
Insured Institutions
1
#1,517 of 1,523
Branches per 100k Pop.
52.7
#82 of 1,523
Median Deposits per Institution
$46M
The median deposits booked by a single institution in the county. #1,434 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
100.0%
of county deposits held by banks with $100M to $50B in assets. #148 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Deposit Share: concentrated
100.0%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

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

Total county deposits (nominal), 2020 to 2025+31.3% over 5 years
$35M
2020
$38M
2021
$44M
2022
$38M
2023
$41M
2024
$46M
2025

Branches: 1 in 2020 to 1 in 2025. Institutions: 1 to 1. Top-three share: 100.0% to 100.0%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Security First Bank of North Dakota$46M100.0%1+31%

The 1 insured institution 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. Even so, a large gain can reflect acquisition rather than organic growth; “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 Bismarck market

Oliver County is one of 3 counties that make up the Bismarck, ND market, a Metropolitan Statistical Area (ranked #225 of 293 U.S. markets by economic output). It produces 3.0% of the market’s output and holds 0.7% of its deposits.

MeasureOliver CountyShare of parent market
2024 GDP$238M3.0%
Deposits$46M0.7%
Population1,8981.4%

View the full Bismarck market profile →

Recruiting in Oliver County

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Oliver County, on a retained basis.

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