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
Unfavorable gap of $3.4M · efficiency ratio beats 79% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.72% | 1.06% | 1.45% | Beats 65% | 262 / 755 | |
| Return on Equity | 9.54% | 6.66% | 10.44% | 13.61% | Beats 44% | 423 / 755 | |
| Net Interest Margin | 3.58% | 3.15% | 3.68% | 4.17% | Beats 45% | 416 / 755 | |
| Efficiency Ratio | 53.37% | 55.75% | 64.78% | 75.61% | Beats 79% | 159 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.09% | 0.42% | 1.05% | Beats 35% | 492 / 751 | |
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.01% | 0.05% | Beats 11% | 672 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 13.60% | 11.56% | 13.81% | 17.74% | Beats 48% | 392 / 755 | |
| Total Risk-Based Capital Ratio | 13.60% | 11.72% | 14.46% | 18.53% | Beats 43% | 432 / 755 | |
| Equity / Assets | 13.27% | 8.93% | 10.56% | 13.13% | Beats 76% | 182 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 56.28% | 62.43% | 78.62% | 91.00% | 18th pctl | 617 / 755 | |
| Loans / Assets | 48.29% | 54.70% | 67.27% | 76.55% | 17th pctl | 625 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |