Bank of North Dakota (BND) is the only state-owned bank in the United States. Since 1919, its mission to deliver quality, sound financial services that promote agriculture, commerce and industry has driven numerous initiatives for the residents of North Dakota to improve quality of life and the state’s economy. BND partners with local financial institutions to facilitate business, residential and most agricultural loan programs. Student loans are made directly to the borrower. BND’s vision is to be an agile partner that creates financial solutions for current and emerging needs. The Bank’s core values emphasize service, teamwork, ethics and a focus on our people. These values allow BND to excel and deliver while accomplishing more together and setting ourselves apart. © 2015 Bank of North Dakota (BND), All rights reserved. Equal Housing Lender