Your hometown option.

Proud to serve our Osgood neighbors.

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Western State Bank in Fargo

If you’re ready for a new bank, we’re your hometown alternative. We’ve proudly served Fargo since 2007 and have remained true to our North Dakota roots since we were founded in 1902.

With Western, you get more than excellent account benefits and customer service. Our Lil’ Buckaroo Club teaches kids about savings and puts on family-friendly events throughout the year. Our popular Good Neighbor Club offers account benefits and exclusive events for members ages 50 or better. And our Hometown Heroes program recognizes our friends and neighbors who serve the community every day.

Our Fargo bank is just off of 45th Street South, next to the Osgood Hornbacher's grocery store. 

Meet Our Team

Location Details


4201 45th St S Fargo, ND 58104




Drive up: 7:30 a.m. - 6 p.m. Lobby: 8 a.m. - 6 p.m.


Drive up: 9 a.m. - 1 p.m. Lobby: 9 a.m. - 1 p.m.
Brady Schwartz headshot

Brady Schwartz, Retail Banking Manager

Brady is our Retail Banking Manager in Fargo. Before joining our team in March 2022, he held various roles in the financial industry.

As a West Fargo native, Brady looks forward to serving his home community. 

Brady provides leadership to Western’s Fargo Retail Banking team and forges solid partnerships with new and current customers. 

Contact Brady

Options to fit your needs.

Your banking needs are as unique as you are. That's why we offer a variety of options for personal and business banking.

Founded in 1902 icon

Founded in 1902

Five Star Superior Rating by Bauer Financial icon

Five Star Superior Rating by Bauer Financial

Recognized as a Best Regional Bank icon

Recognized as a Best Regional Bank

What's different about Western?

We're a refreshing alternative to big-bank attitudes, policies, and service. You'll appreciate our welcoming and convenient locations, our fast service (both online and in our banks), and our competitive rates.

See the Western Difference

Meet our Fargo team.

Matthew M. Oachs

Matthew M. Oachs

Market President

Chandler Mertz

Chandler Mertz

Customer Service Manager

Brady Schwartz

Brady Schwartz

Retail Banking Manager

Molly Willert

Molly Willert

Personal Banker

"Our family has been banking at Western for three generations now. I’ve been here over 40 years. During that time, a relationship of mutual trust has been built, and I feel very comfortable here at Western. I like the fact that I personally know most everyone. Western has always worked with us as our farm and family have grown."

Terry (James & Jon) Haman, Crary, ND

"Our organization was drawn to Western's local roots, friendly service, competitive rates, and low fees. Western shares our commitment to the community, and they support our kids and families in so many ways. We're very happy we switched!"

Bob Holman, Devils Lake Youth Activities

"This is the type of banking relationship a business hopes to achieve with its banker. We look forward to a long-term relationship with Western State Bank."

Clinton O. Shreeve, LC Jacobson & Company