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First National Bank and Trust Company of Bottineau

Bottineau, ND · Cert 3902 · First Bottineau Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

79

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank and Trust Company of Bottineau

Bottineau, ND · Cert 3902 · First Bottineau Inc.

National charter · OCC · 1 branch

Q2 2026

$175.9MAssets
$85.0MLoans
$151.0MDeposits
$23.3MEquity
Loan mix
84%RE $42.2M8%C&I $4.2M8%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $116.7M23%Noninterest $34.3MQ2 2025Q2 2026

NIM

4.77%Q2 ’244.79%Q2 ’254.86%Q2 ’26-2%+3%

Non-interest income vs. expense

2.01%Q2 ’241.96%Q2 ’251.95%Q2 ’26-2%-1%

Executive Summary

  • Earnings: ROA of 1.29%, unchanged from a year ago; NIM at 3.58%.
  • Asset quality: problem loans at 0.75% of loans (+42 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 13.60%, down 73 bps from a year ago.
  • Funding: loans stand at 56.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%0 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+9 bps YoY

Efficiency Ratio (YTD, annualized)

53.37%-187 bps YoY

Tier 1 Leverage Ratio

13.60%-73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.08%1.00%1.35%1.29%0 bps
Return on Equity9.65%7.91%7.30%10.16%9.71%+5 bps
Net Interest Margin3.49%3.63%3.73%3.61%3.58%+9 bps
Efficiency Ratio55.24%55.01%56.79%54.62%53.37%-187 bps
Non-Interest Burden1.90%1.97%2.09%1.94%1.88%-2 bps
Growth
Asset Growth (YoY)3.99%4.04%1.56%-0.22%3.28%-71 bps
Loan Growth (YoY)3.01%4.23%4.49%1.00%-2.33%-533 bps
Deposit Growth (YoY)2.51%2.57%1.14%-0.46%3.96%+145 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.29%0.80%0.51%0.75%+42 bps
Net Charge-Offs / Loans0.07%0.04%0.03%0.50%0.23%+16 bps
Allowance / Loans2.03%2.30%2.28%2.46%2.47%+44 bps
Allowance Coverage of NPLs6.1x7.9x2.8x4.8x3.3x-2.8x
Capital
Tier 1 Leverage Ratio14.33%14.96%14.14%13.86%13.60%-73 bps
Total Risk-Based Capital14.33%14.96%14.14%13.86%13.60%-73 bps
Equity / Assets13.89%14.70%13.81%12.74%13.27%-62 bps
Liquidity & Funding
Loans / Deposits59.90%66.65%65.02%51.39%56.28%-362 bps
Liquid Assets / Assets3.47%3.46%3.41%15.31%12.70%+923 bps
CRE / Total Capitaln/a18.63%19.37%18.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank and Trust Company of Bottineau

Bottineau, ND · Cert 3902 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · First Bottineau Inc.

National charter · OCC · 1 branch

Q2 2026

$175.9MAssets
$85.0MLoans
$151.0MDeposits
$23.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 79% of banks under $1B in assets operating in a single state (rank 159 of 755).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets operating in a single state (rank 672 of 751).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.27%

Rank 262 of 755

Net Interest Margin

3.58%

Rank 416 of 755

Efficiency Ratio

53.37%

Rank 159 of 755

Equity / Assets

13.27%

Rank 182 of 755

Non-interest income vs. expense

$0.1M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 79% of banks under $1B in assets operating in a single state
Bank 53.37%Peer median 64.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.27%0.72%1.06%1.45%Beats 65%262 / 755
Return on Equity9.54%6.66%10.44%13.61%Beats 44%423 / 755
Net Interest Margin3.58%3.15%3.68%4.17%Beats 45%416 / 755
Efficiency Ratio53.37%55.75%64.78%75.61%Beats 79%159 / 755
Asset Quality
Nonperforming Loans / Loans0.75%0.09%0.42%1.05%Beats 35%492 / 751
Net Charge-Offs / Loans0.15%0.00%0.01%0.05%Beats 11%672 / 751
Capital
Tier 1 Capital Ratio13.60%11.56%13.81%17.74%Beats 48%392 / 755
Total Risk-Based Capital Ratio13.60%11.72%14.46%18.53%Beats 43%432 / 755
Equity / Assets13.27%8.93%10.56%13.13%Beats 76%182 / 755
Liquidity & Funding
Loans / Deposits56.28%62.43%78.62%91.00%18th pctl617 / 755
Loans / Assets48.29%54.70%67.27%76.55%17th pctl625 / 755
Brokered Deposits / Depositsn/aNot reported for this institution