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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 $2.6MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $77.4M21%Noninterest $21.1MQ2 2025Q2 2026

NIM

6.21%Q2 ’246.12%Q2 ’255.84%Q2 ’26-2%-6%

Non-interest income vs. expense

2.62%Q2 ’242.68%Q2 ’252.68%Q2 ’26+3%+1%

Executive Summary

  • Earnings: ROA of 0.99%, down 15 bps year over year; NIM at 3.76%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.99%-15 bps YoY

Net Interest Margin (quarter, annualized)

3.76%-25 bps YoY

Efficiency Ratio (quarter, annualized)

66.61%+413 bps YoY

Tier 1 Leverage Ratio

8.46%-11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.21%1.00%0.91%0.99%-15 bps
Return on Equity13.84%14.70%12.05%10.86%11.84%-200 bps
Net Interest Margin4.01%3.90%3.87%3.58%3.76%-25 bps
Efficiency Ratio62.48%59.80%64.62%67.26%66.61%+413 bps
Non-Interest Burden2.40%2.23%2.42%2.33%2.42%+2 bps
Growth
Asset Growth (YoY)6.21%6.70%6.99%5.52%3.72%-249 bps
Loan Growth (YoY)7.45%7.06%7.90%-0.27%-2.35%-980 bps
Deposit Growth (YoY)0.88%3.06%1.13%-0.54%5.07%+420 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.04%0.00%0.00%0.06%+1 bps
Net Charge-Offs / Loans0.46%-0.66%-0.17%0.00%0.00%-46 bps
Allowance / Loans1.33%1.49%1.69%1.80%1.71%+38 bps
Allowance Coverage of NPLs27.9x34.5xn/an/a29.1x+1.3x
Capital
Tier 1 Leverage Ratio8.57%8.29%8.65%8.29%8.46%-11 bps
Total Risk-Based Capital11.21%11.03%11.74%11.58%11.77%+55 bps
Equity / Assets8.33%8.15%8.51%8.29%8.43%+10 bps
Liquidity & Funding
Loans / Deposits109.92%110.56%98.58%95.95%102.15%-776 bps
Liquid Assets / Assets0.15%0.03%0.17%0.12%0.06%-9 bps
CRE / Total Capitaln/a100.68%94.78%105.51%n/an/a