Applications / Mortgage Analytics / Lenders / North Dakota / First State Bank / Competition
First State Bank
Buxton, ND · State non-member bank · FDIC · $410 million assets · 82 loans in 2025
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82
loans originated, 2025
83
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Who First State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — GRAND FORKS, MN-ND, 2025
First State Bank ranks 19th of 131 lenders in Grand Forks, MN-ND, with $7.6M lent: 1.7% of a $452.1M market.
Grand Forks, MN-ND is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO NORTH DAKOTA, 2025
First State Bank ranks 53rd of 191 lenders in non-metro North Dakota, with $3.5M lent: 0.3% of a $1.04B market.
non-metro North Dakota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — FARGO, MN-ND, 2025
First State Bank ranks 64th of 207 lenders in Fargo, MN-ND, with $2.4M lent: 0.1% of a $1.76B market.
Fargo, MN-ND is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NORTH PORT-BRADENTON-SARASOTA, FL, 2025
First State Bank ranks 383rd of 811 lenders in North Port-Bradenton-Sarasota, FL, with $1.7M lent: 0.0% of a $10.17B market.
North Port-Bradenton-Sarasota, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO MINNESOTA, 2025
First State Bank ranks 297th of 536 lenders in non-metro Minnesota, with $1.2M lent: 0.0% of a $5.28B market.
non-metro Minnesota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CHARLESTON-NORTH CHARLESTON, SC, 2025
First State Bank ranks 404th of 617 lenders in Charleston-North Charleston, SC, with $910K lent: 0.0% of a $11.91B market.
Charleston-North Charleston, SC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — LEXINGTON-FAYETTE, KY, 2025
First State Bank ranks 275th of 389 lenders in Lexington-Fayette, KY, with $415K lent: 0.0% of a $3.62B market.
Lexington-Fayette, KY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — CHICAGO-NAPERVILLE-ELGIN, IL-IN, 2025
First State Bank ranks 789th of 902 lenders in Chicago-Naperville-Elgin, IL-IN, with $350K lent: 0.0% of a $59.50B market.
Chicago-Naperville-Elgin, IL-IN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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