Bottineau, ND · Cert 9121 · State Bk Bottineau Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.20% | 1.20% | 1.17% | 1.18% | 1.14% | 0.91% | 0.95% | -22 bps | |
| Return on Equity | 14.96% | 14.47% | 14.33% | 13.98% | 14.18% | 13.65% | 10.86% | 11.28% | -270 bps | |
| Net Interest Margin | 3.83% | 3.89% | 3.82% | 3.91% | 3.72% | 3.77% | 3.58% | 3.67% | -23 bps | |
| Efficiency Ratio | 61.50% | 62.23% | 61.14% | 61.82% | 61.12% | 62.01% | 67.26% | 66.93% | +511 bps | |
| Non-Interest Burden | 2.27% | 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 / Loans | 0.09% | 0.00% | 0.18% | 0.05% | 0.04% | 0.00% | 0.00% | 0.06% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.23% | -0.07% | -0.10% | 0.00% | 0.00% | -23 bps | |
| Allowance / Loans | 1.44% | 1.56% | 1.53% | 1.33% | 1.49% | 1.69% | 1.80% | 1.71% | +38 bps | |
| Allowance Coverage of NPLs | 16.4x | n/a | 8.5x | 27.9x | 34.5x | n/a | n/a | 29.1x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.31% | 8.76% | 8.33% | 8.57% | 8.29% | 8.65% | 8.29% | 8.46% | -11 bps | |
| Total Risk-Based Capital | 10.55% | 11.51% | 11.30% | 11.21% | 11.03% | 11.74% | 11.58% | 11.77% | +55 bps | |
| Equity / Assets | 8.11% | 8.51% | 8.20% | 8.33% | 8.15% | 8.51% | 8.29% | 8.43% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.42% | 92.39% | 95.69% | 109.92% | 110.56% | 98.58% | 95.95% | 102.15% | -776 bps | |
| Liquid Assets / Assets | 0.04% | 0.30% | 0.29% | 0.15% | 0.03% | 0.17% | 0.12% | 0.06% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 100.68% | 94.78% | 105.51% | n/a | n/a | |