Bismarck, ND holds $6.4 billion in deposits across 18 insured institutions and 55 branches, ranking #225 of 293 U.S. markets by economic output. Starion Bank is the largest deposit holder at 20.1% share. The top three institutions hold 41.5% of deposits, which places the market in the fragmented band. Deposits have grown 25% since 2020 while the branch count fell by 4.
Deposit trend
Branches: 59 in 2020 to 55 in 2025. Institutions: 19 to 18. Top-three share: 41.0% to 41.5%. Deposits per branch: $116M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Starion Bank | 1.3B | 20.1% | +66% |
| Dakota Community Bank & Trust | 0.7B | 11.1% | +41% |
| Gate City Bank | 0.7B | 10.3% | +51% |
| Wells Fargo Bank | 0.6B | 9.2% | -28% |
| Bravera Bank | 0.6B | 8.6% | +34% |
| BNC National Bank | 0.5B | 7.5% | +9% |
| U.S. Bank | 0.4B | 6.7% | -4% |
| First International Bank & Trust | 0.3B | 5.4% | +55% |
| Cornerstone Bank | 0.3B | 4.1% | +150% |
| Kirkwood Bank & Trust Co. | 0.2B | 3.8% | +42% |
The 10 largest of 18 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Burleigh County | North Dakota | $6,094M | 103,251 | 77.9% |
| Morton County | North Dakota | $1,491M | 34,601 | 19.1% |
| Oliver County | North Dakota | $238M | 1,898 | 3.0% |
Recruiting in Bismarck
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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 this one, on a retained basis.
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