BlastPoint's Banking Scorecard

Commercial Bank of Mott

$100M-$1B Specialty: Agricultural ND FDIC cert 15741

Mott, ND

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
Deposits +1.6% year over year ($116.1M on the books).
Delinquency rate 0.00%.
Return on assets 1.76%.
Efficiency ratio 42.50% vs a 64.48% peer average.
Loan-to-deposit ratio 89.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 34 in ND

View $100M-$1B leaderboard (ND) →

Commercial Bank of Mott has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 31.1% in tier
+ Efficiency Ratio 21.98% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.44% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 2.5% in tier
- Non-Interest Income / Assets 0.52% below tier average
- Net Interest Margin 0.84% below tier average

Get updates when Commercial Bank of Mott releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$140.0M -5.8% YoY -3.9% QoQ	-$246.6M	$386.6M +1.2% YoY	$1.1B +6.9% YoY	$6.3B +7.7% YoY	Bottom 11.4% in tier
Total Loans ?	$104.2M -6.2% YoY +4.4% QoQ	-$154.1M	$258.3M +1.7% YoY	$805.2M +6.2% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$116.1M +1.6% YoY -4.8% QoQ	-$210.7M	$326.7M +0.7% YoY	$922.2M +5.0% YoY	$4.9B +7.3% YoY	Bottom 10.5% in tier
Return on Assets ?	1.76% -8.7% YoY +2.9% QoQ	+0.44%	1.32% +10.8% YoY	1.44% +8.8% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	3.15% -2.4% YoY +2.9% QoQ	-0.84%	3.99% +5.0% YoY	3.79% +4.3% YoY	3.95% +4.9% YoY	Bottom 14.5% in tier
Efficiency Ratio ?	42.50% +6.4% YoY -4.4% QoQ	-21.98%	64.48% -3.2% YoY	59.23% -3.7% YoY	70.05% +2.5% YoY	Top 6.1% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.86% +16.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	89.79% -7.7% YoY +9.7% QoQ	+11.84%	77.95% +1.0% YoY	73.82% -0.7% YoY	79.03% +2.3% YoY	27%
Non-Interest-Bearing Deposit Share ?	5.90% -39.8% YoY -28.6% QoQ	-16.13%	22.03% -0.6% YoY	21.56% +2.8% YoY	21.98% -0.6% YoY	Bottom 4.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.54% +8.1% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.10% +9.9% YoY +5.3% QoQ	-2.81%	15.91% +1.4% YoY	12.90% +0.7% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.05% +6.1% YoY +108.2% QoQ	-0.52%	0.57% +7.6% YoY	0.22% -1.4% YoY	0.66% +5.2% YoY	Bottom 5.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Noninterest-Bearing	5.9% -3.9pp YoY -2.4pp QoQ	-16.2pp	22.1%	21.6%	22.2%	4%
Brokered Deposits	1.5% -0.1pp YoY +0.1pp QoQ	-6.4pp	7.9%	6.0%	8.5%	24%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
C&I	3.0% -0.3pp YoY -0.1pp QoQ	-8.5pp	11.6%	12.9%	12.5%	10%
CRE	n/a	n/a	39.5%	29.0%	41.4%	n/a
1-4 Family	2.1% -0.1pp YoY -0.2pp QoQ	-30.5pp	32.6%	12.3%	31.3%	2%
Consumer	1.3% -0.3pp YoY 0.0pp QoQ	-2.8pp	4.1%	4.5%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.3%	19.7%	n/a
Leverage Ratio	13.1% +1.2pp YoY +0.7pp QoQ	+0.9pp	12.2%	10.7%	12.6%	76%
Total Capital Ratio	n/a	n/a	19.9%	16.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Full-Time Employees	9 +1 (+12.5%) YoY +1 (+12.5%) QoQ	-50	58	138	482	0%
Assets per Employee ($)	$15.6M -16.3% YoY -14.6% QoQ	+$8.0M	$7.5M	$8.3M	$8.8M	98%
Branch Count	1 0 YoY 0 QoQ	-4	4	7	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.5%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.7%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	73.79x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	20%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
ROE	14.2% -4.0pp YoY +0.3pp QoQ	+2.0pp	12.2%	16.0%	11.6%	63%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.7%	1.7%	77%
Net Income ($, YTD)	$1.2M -11.8% YoY — QoQ	-$1.3M	$2.6M	$7.0M	$40.4M	34%

Get Full Access to Commercial Bank of Mott

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#206 of 659 • Top 31.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline

#5 of 162 • Bottom 2.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 5.90%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

162

Efficiency Ratio

profitability

Value: 42.50%

Peer Median: 64.48%

#162 of 2643 Top 6.1% in $100M-$1B

570

Return on Assets

profitability

Value: 1.76%

Peer Median: 1.32%

#570 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (6 metrics)

2522

Non-Interest-Bearing Deposit Share

funding

Value: 5.90%

Peer Median: 22.03%

#2522 of 2643 Bottom 4.6% in $100M-$1B

2501

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2501 of 2643 Bottom 5.4% in $100M-$1B

2366

Total Deposits

size

Value: $116.07M

Peer Median: $326.73M

#2366 of 2643 Bottom 10.5% in $100M-$1B

2343

Total Assets

size

Value: $139.98M

Peer Median: $386.57M

#2343 of 2643 Bottom 11.4% in $100M-$1B

2262

Net Interest Margin

profitability

Value: 3.15%

Peer Median: 3.99%

#2262 of 2643 Bottom 14.5% in $100M-$1B

2112

Total Loans

size

Value: $104.22M

Peer Median: $258.35M

#2112 of 2643 Bottom 20.1% in $100M-$1B