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=743-746) · 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 157 of 746).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets operating in a single state (rank 666 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.27%
Rank 260 of 746
Net Interest Margin
3.58%
Rank 413 of 746
Efficiency Ratio
53.37%
Rank 157 of 746
Equity / Assets
13.27%
Rank 173 of 746
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% | 260 / 746 | |
| Return on Equity | 9.54% | 6.74% | 10.51% | 13.63% | Beats 43% | 422 / 746 | |
| Net Interest Margin | 3.58% | 3.17% | 3.68% | 4.16% | Beats 45% | 413 / 746 | |
| Efficiency Ratio | 53.37% | 55.74% | 64.58% | 75.47% | Beats 79% | 157 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.09% | 0.42% | 1.07% | Beats 35% | 485 / 743 | |
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.01% | 0.05% | Beats 10% | 666 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.60% | 11.55% | 13.75% | 17.60% | Beats 48% | 386 / 746 | |
| Total Risk-Based Capital Ratio | 13.60% | 11.71% | 14.33% | 18.43% | Beats 43% | 424 / 746 | |
| Equity / Assets | 13.27% | 8.90% | 10.51% | 13.06% | Beats 77% | 173 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 56.28% | 61.31% | 78.27% | 90.78% | 19th pctl | 604 / 746 | |
| Loans / Assets | 48.29% | 53.60% | 66.97% | 76.08% | 18th pctl | 608 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |