PackageTrendsPeer
Letter portraitLegal landscape

State Bank of Bottineau

Bottineau, ND · Cert 9121 · State Bk Bottineau Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

52

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

State Bank of Bottineau

Bottineau, ND · Cert 9121 · State Bk Bottineau Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$117.2MAssets
$100.6MLoans
$98.4MDeposits
$9.9MEquity
Loan mix
87%RE $51.4M9%C&I $5.0M4%Consumer $2.6MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $77.4M21%Noninterest $21.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.95%, down 22 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.06% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.46%, down 11 bps from a year ago.
  • Funding: loans stand at 102.15% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.67%-23 bps YoY

Efficiency Ratio (YTD, annualized)

66.93%+511 bps YoY

Tier 1 Leverage Ratio

8.46%-11 bps YoY

NIM

6.00%Q2 ’245.96%Q2 ’255.75%Q2 ’26-2%-6%

Non-interest income vs. expense

2.70%Q2 ’242.60%Q2 ’252.62%Q2 ’26-4%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.20%1.20%1.17%1.18%1.14%0.91%0.95%-22 bps
Return on Equity14.96%14.47%14.33%13.98%14.18%13.65%10.86%11.28%-270 bps
Net Interest Margin3.83%3.89%3.82%3.91%3.72%3.77%3.58%3.67%-23 bps
Efficiency Ratio61.50%62.23%61.14%61.82%61.12%62.01%67.26%66.93%+511 bps
Non-Interest Burden2.27%2.34%2.22%2.30%2.17%2.24%2.33%2.38%+7 bps
Growth
Asset Growth (YoY)8.61%9.48%10.17%6.21%6.70%6.99%5.52%3.72%-249 bps
Loan Growth (YoY)8.24%2.55%5.70%7.45%7.06%7.90%-0.27%-2.35%-980 bps
Deposit Growth (YoY)5.64%9.70%10.50%0.88%3.06%1.13%-0.54%5.07%+420 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.18%0.05%0.04%0.00%0.00%0.06%+1 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.23%-0.07%-0.10%0.00%0.00%-23 bps
Allowance / Loans1.44%1.56%1.53%1.33%1.49%1.69%1.80%1.71%+38 bps
Allowance Coverage of NPLs16.4xn/a8.5x27.9x34.5xn/an/a29.1x+1.3x
Capital
Tier 1 Leverage Ratio8.31%8.76%8.33%8.57%8.29%8.65%8.29%8.46%-11 bps
Total Risk-Based Capital10.55%11.51%11.30%11.21%11.03%11.74%11.58%11.77%+55 bps
Equity / Assets8.11%8.51%8.20%8.33%8.15%8.51%8.29%8.43%+10 bps
Liquidity & Funding
Loans / Deposits106.42%92.39%95.69%109.92%110.56%98.58%95.95%102.15%-776 bps
Liquid Assets / Assets0.04%0.30%0.29%0.15%0.03%0.17%0.12%0.06%-9 bps
CRE / Total Capitaln/an/an/an/a100.68%94.78%105.51%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

State Bank of Bottineau

Bottineau, ND · Cert 9121 · Peer group: banks under $1B in assets (n=581-629) · State Bk Bottineau Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$117.2MAssets
$100.6MLoans
$98.4MDeposits
$9.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: equity / assets trails 84% of banks under $1B in assets (rank 530 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.95%

Rank 342 of 629

Net Interest Margin

3.67%

Rank 270 of 629

Efficiency Ratio

66.93%

Rank 300 of 629

Equity / Assets

8.43%

Rank 530 of 629

Non-interest income vs. expense

$0.3M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 52% of banks under $1B in assets
Bank 66.93%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.95%0.60%1.01%1.45%Beats 46%342 / 629
Return on Equity11.31%5.38%9.30%13.28%Beats 63%235 / 629
Net Interest Margin3.67%3.03%3.54%4.05%Beats 57%270 / 629
Efficiency Ratio66.93%58.35%67.79%79.08%Beats 52%300 / 629
Asset Quality
Nonperforming Loans / Loans0.06%0.09%0.46%1.20%Beats 79%124 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio10.51%11.24%13.84%18.77%Beats 16%529 / 629
Total Risk-Based Capital Ratio11.77%11.58%14.43%19.66%Beats 26%465 / 629
Equity / Assets8.43%9.09%10.65%13.80%Beats 16%530 / 629
Liquidity & Funding
Loans / Deposits102.15%67.24%80.90%93.48%89th pctl68 / 594
Loans / Assets85.79%53.31%67.71%78.15%94th pctl37 / 629
Brokered Deposits / Depositsn/aNot reported for this institution