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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

$175.9MAssets
$85.0MLoans
$151.0MDeposits
$23.3MEquity
Loan mix
84%RE $42.2M8%C&I $4.2M8%Consumer $3.9MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $116.7M23%Noninterest $34.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.04%1.20%1.29%1.08%1.00%1.35%1.29%0 bps
Return on Equity9.25%8.09%9.20%9.65%7.91%7.30%10.16%9.71%+5 bps
Net Interest Margin3.63%3.66%3.43%3.49%3.63%3.73%3.61%3.58%+9 bps
Efficiency Ratio55.84%55.45%55.55%55.24%55.01%56.79%54.62%53.37%-187 bps
Non-Interest Burden1.99%1.99%1.88%1.90%1.97%2.09%1.94%1.88%-2 bps
Growth
Asset Growth (YoY)-3.04%-2.11%7.56%3.99%4.04%1.56%-0.22%3.28%-71 bps
Loan Growth (YoY)7.78%5.82%5.74%3.01%4.23%4.49%1.00%-2.33%-533 bps
Deposit Growth (YoY)-2.41%-3.88%6.99%2.51%2.57%1.14%-0.46%3.96%+145 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.43%0.47%0.33%0.29%0.80%0.51%0.75%+42 bps
Net Charge-Offs / Loans0.30%0.22%0.06%0.07%0.04%0.03%0.50%0.23%+16 bps
Allowance / Loans2.07%2.07%2.26%2.03%2.30%2.28%2.46%2.47%+44 bps
Allowance Coverage of NPLs4.7x4.8x4.8x6.1x7.9x2.8x4.8x3.3x-2.8x
Capital
Tier 1 Leverage Ratio14.76%14.94%14.42%14.33%14.96%14.14%13.86%13.60%-73 bps
Total Risk-Based Capital14.76%14.94%14.42%14.33%14.96%14.14%13.86%13.60%-73 bps
Equity / Assets14.19%13.55%12.63%13.89%14.70%13.81%12.74%13.27%-62 bps
Liquidity & Funding
Loans / Deposits65.59%62.94%50.65%59.90%66.65%65.02%51.39%56.28%-362 bps
Liquid Assets / Assets2.33%4.29%15.72%3.47%3.46%3.41%15.31%12.70%+923 bps
CRE / Total Capitaln/an/an/an/a18.63%19.37%18.00%n/an/a