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
Unfavorable gap of $2.8M · efficiency ratio beats 52% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.60% | 1.01% | 1.45% | Beats 46% | 342 / 629 | |
| Return on Equity | 11.31% | 5.38% | 9.30% | 13.28% | Beats 63% | 235 / 629 | |
| Net Interest Margin | 3.67% | 3.03% | 3.54% | 4.05% | Beats 57% | 270 / 629 | |
| Efficiency Ratio | 66.93% | 58.35% | 67.79% | 79.08% | Beats 52% | 300 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.46% | 1.20% | Beats 79% | 124 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.51% | 11.24% | 13.84% | 18.77% | Beats 16% | 529 / 629 | |
| Total Risk-Based Capital Ratio | 11.77% | 11.58% | 14.43% | 19.66% | Beats 26% | 465 / 629 | |
| Equity / Assets | 8.43% | 9.09% | 10.65% | 13.80% | Beats 16% | 530 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 102.15% | 67.24% | 80.90% | 93.48% | 89th pctl | 68 / 594 | |
| Loans / Assets | 85.79% | 53.31% | 67.71% | 78.15% | 94th pctl | 37 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |