BlastPoint's Banking Scorecard
First National Bank and Trust Co. of Bottineau
Bottineau, 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 +4.0% year over year ($151.0M on the books).
- Delinquency rate 0.77%.
- Return on assets 1.29%.
- Efficiency ratio 53.37% vs a 64.48% peer average.
- Loan-to-deposit ratio 54.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank and Trust Co. of Bottineau has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.11% below tier average
- + Delinquency Rate 0.15% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.9M
+3.3% YoY
-2.2% QoQ
|
-$210.6M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$82.9M
-2.8% YoY
+6.4% QoQ
|
-$175.5M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.8% in tier |
| Total Deposits ? |
$151.0M
+4.0% YoY
-2.9% QoQ
|
-$175.8M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.29%
-0.0% YoY
-4.4% QoQ
|
-0.04% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.84%
+4.5% YoY
+2.5% QoQ
|
-0.15% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
53.37%
-3.4% YoY
-2.3% QoQ
|
-11.11% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
0.77%
+127.1% YoY
+47.3% QoQ
|
-0.15% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
54.89%
-6.5% YoY
+9.5% QoQ
|
-23.07% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Top 12.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.71%
-3.0% YoY
-3.5% QoQ
|
+0.68% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.36%
+113.8% YoY
+60.1% QoQ
|
-0.31% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
13.60%
-5.1% YoY
-1.9% QoQ
|
-2.31% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.04%
+10.4% YoY
+129.1% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.7%
-0.7pp YoY -0.8pp QoQ |
+0.6pp | 22.1% | 21.6% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.6%
+0.5pp YoY +1.2pp QoQ |
-5.0pp | 11.6% | 12.9% | 12.5% | 30% |
| CRE | n/a | n/a | 39.5% | 29.0% | 41.4% | n/a |
| 1-4 Family |
12.0%
+1.2pp YoY -0.6pp QoQ |
-20.7pp | 32.6% | 12.3% | 31.3% | 14% |
| Consumer |
4.8%
+0.3pp YoY -0.2pp QoQ |
+0.7pp | 4.1% | 4.5% | 5.0% | 76% |
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 |
13.6%
-0.7pp YoY -0.3pp QoQ |
+1.4pp | 12.2% | 10.7% | 12.6% | 79% |
| 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 |
21
-2 (-8.7%) YoY 0 QoQ |
-38 | 58 | 138 | 482 | 12% |
| Assets per Employee ($) |
$8.4M
+13.1% YoY -2.2% QoQ |
+$859K | $7.5M | $8.3M | $8.8M | 72% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.2pp YoY +0.1pp QoQ |
-0.1pp | 0.3% | 0.5% | 0.4% | 62% |
| Nonaccrual |
0.6%
+0.3pp YoY +0.1pp QoQ |
-0.3pp | 0.9% | 0.7% | 1.0% | 57% |
| Allowance Coverage |
3.30x
-46.2% YoY -31.9% QoQ |
-20.85x | 24.15x | 73.79x | 20.23x | 61% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
+0.1pp YoY -0.4pp QoQ |
-2.5pp | 12.2% | 16.0% | 11.6% | 35% |
| Cost of Funds (YTD) |
1.4%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 28% |
| Net Income ($, YTD) |
$1.1M
+1.5% YoY — QoQ |
-$1.4M | $2.6M | $7.0M | $40.4M | 30% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.