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State Bank of Bottineau

$100M-$1B Specialty: Agricultural ND FDIC cert 9121

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 +5.1% year over year ($98.4M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 1.21%.
  • Efficiency ratio 66.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.41% 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) →

State Bank of Bottineau has 2 strengths but faces 5 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 7.4% in tier
  • + Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.7% in tier
  • - Liquidity Strain: Bottom 16.2% in tier
  • - Margin Compression: Bottom 29.6% in tier
  • - Cost Spiral: Bottom 35.5% in tier
  • - Capital Thin: Bottom 42.1% in tier
Get updates when State Bank of Bottineau releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $117.2M
+3.7% YoY +0.3% QoQ
-$269.4M $386.6M
+1.2% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
Bottom 4.8% in tier
Total Loans ? $98.8M
-2.7% YoY +6.7% QoQ
-$159.5M $258.3M
+1.7% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $98.4M
+5.1% YoY +0.1% QoQ
-$228.3M $326.7M
+0.7% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
Bottom 5.0% in tier
Return on Assets ? 1.21%
-18.6% YoY +4.1% QoQ
-0.11% 1.32%
+10.8% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 4.05%
-5.5% YoY +2.8% QoQ
+0.07% 3.99%
+5.0% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 66.93%
+8.3% YoY -0.5% QoQ
+2.45% 64.48%
-3.2% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.06%
+23.8% YoY
-0.86% 0.92%
+15.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 100.41%
-7.4% YoY +6.6% QoQ
+22.46% 77.95%
+1.0% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
Bottom 9.6% in tier
Non-Interest-Bearing Deposit Share ? 21.42%
-6.9% YoY -5.0% QoQ
-0.61% 22.03%
-0.6% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
52%
Nonperforming Asset Ratio ? 0.05%
+16.1% YoY
-0.62% 0.67%
+16.4% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 10.51%
+5.5% YoY +1.8% QoQ
-5.40% 15.91%
+1.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.12%
-14.4% YoY +108.2% QoQ
-0.44% 0.57%
+7.6% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
26%

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 21.4%
-1.6pp YoY
-1.1pp QoQ
 -0.7pp 22.1% 21.6% 22.2% 52%
Brokered Deposits 5.7%
-0.3pp YoY
0.0pp QoQ
 -2.1pp 7.9% 6.0% 8.5% 57%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 5.7%
-0.3pp YoY
+0.3pp QoQ
 -5.8pp 11.6% 12.9% 12.5% 24%
CRE 9.9%
+0.5pp YoY
-1.1pp QoQ
 -29.6pp 39.5% 29.0% 41.4% 5%
1-4 Family 16.5%
+1.2pp YoY
-1.6pp QoQ
 -16.1pp 32.6% 12.3% 31.3% 22%
Consumer 2.7%
+0.2pp YoY
-0.1pp QoQ
 -1.4pp 4.1% 4.5% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio 10.5%
+0.5pp YoY
+0.2pp QoQ
 -8.3pp 18.8% 15.3% 19.7% 5%
Leverage Ratio 8.5%
-0.1pp YoY
+0.2pp QoQ
 -3.7pp 12.2% 10.7% 12.6% 6%
Total Capital Ratio 11.8%
+0.6pp YoY
+0.2pp QoQ
 -8.2pp 19.9% 16.3% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
-1 (-6.2%) QoQ
 -44 58 138 482 4%
Assets per Employee ($) $7.8M
+3.7% YoY
+7.0% QoQ
 +$296K $7.5M $8.3M $8.8M 65%
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 0.1%
0.0pp YoY
 -0.9pp 0.9% 0.7% 1.0% 13%
Allowance Coverage 29.12x
+4.5% YoY
 +4.97x 24.15x 73.79x 20.23x 91%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 14.4%
-3.4pp YoY
+0.5pp QoQ
 +2.2pp 12.2% 16.0% 11.6% 64%
Cost of Funds (YTD) 2.3%
0.0pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.7% 1.7% 84%
Net Income ($, YTD) $712,000
-14.2% YoY
— QoQ
 -$1.8M $2.6M $7.0M $40.4M 17%

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
#50 of 659 • Top 7.4% in tier

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

Why this signature
Delinquency Rate: 0.06%
(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 (5)

Credit Quality Pressure

risk
#60 of 1256 • Bottom 4.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Strain

risk
#113 of 691 • Bottom 16.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.41%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Margin Compression

decline
#92 of 307 • Bottom 29.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.21%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk
#50 of 138 • Bottom 35.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 66.93%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Capital Thin

risk
#279 of 661 • Bottom 42.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.51%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

571
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#571 of 2643 Top 21.6% in $100M-$1B
580
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#580 of 2633 Top 22.0% in $100M-$1B

Top Weaknesses (5 metrics)

2517
Total Assets
size
Value: $117.22M
Peer Median: $386.57M
#2517 of 2643 Bottom 4.8% in $100M-$1B
2512
Total Deposits
size
Value: $98.44M
Peer Median: $326.73M
#2512 of 2643 Bottom 5.0% in $100M-$1B
2389
Loan-to-Deposit Ratio
liquidity
Value: 100.41%
Peer Median: 77.95%
#2389 of 2643 Bottom 9.6% in $100M-$1B
2198
Tier 1 Capital Ratio
capital
Value: 10.51%
Peer Median: 15.91%
#2198 of 2643 Bottom 16.9% in $100M-$1B
2151
Total Loans
size
Value: $98.85M
Peer Median: $258.35M
#2151 of 2643 Bottom 18.7% in $100M-$1B
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