BlastPoint's Banking Scorecard
Commercial Bank of Mott
Micro
Specialty: Agricultural
ND
FDIC cert 15741
Designations: ✓ Community bank
Mott, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Commercial Bank of Mott has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.08% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.48% below tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.3M
-3.8% YoY
-6.1% QoQ
|
-$79.2M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$100.9M
-5.1% YoY
-8.2% QoQ
|
-$38.3M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$112.9M
+10.0% YoY
+0.6% QoQ
|
-$70.8M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.71%
+23.8% YoY
-6.1% QoQ
|
+0.63% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.16%
+11.7% YoY
-0.2% QoQ
|
-0.70% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
44.64%
-8.2% YoY
+8.8% QoQ
|
-23.08% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
89.36%
-13.8% YoY
-8.8% QoQ
|
+14.83% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
7.91%
-22.7% YoY
+0.9% QoQ
|
-14.48% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
+10.1% YoY
+20.9% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
44.64%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.91%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Efficiency Ratio
Current: 44.64% · Tier avg: 67.73%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
76
76th pctile
Loan-to-Deposit Ratio
Current: 89.36% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Loans
Current: $100.9M · Tier avg: $139.2M
34
34th pctile
Total Assets
Current: $138.3M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.9M · Tier avg: $183.7M
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.91% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.91% · Tier avg: 22.39%
9
9th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
33
33th pctile
Total Deposits
Current: $112.9M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $138.3M · Tier avg: $217.5M
43
43th pctile
Total Loans
Current: $100.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Loan-to-Deposit Ratio
Current: 89.36% · Tier avg: 74.53%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 44.64% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%