American Federal Bank is a financially strong, employee-owned community bank with 13 full-service Sales Offices in eastern North Dakota and northwestern Minnesota and Home Office in Fargo, North Dakota. Founded in the Red River Valley in 1891, American Federal Ag, Business and Personal Bankers provide trusted financial advice and business expertise to help their clients reach their goals. American Federal is a Top Ag Lender in the United States and is consistently ranked as a top-performing bank by third-party bank rating companies.