BlastPoint's Banking Scorecard
First National Bank and Trust Co. of Bottineau
Micro
Specialty: Agricultural
ND
FDIC cert 3902
Designations: ✓ Community bank
Bottineau, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
First National Bank and Trust Co. of Bottineau faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$163.6M
+1.6% YoY
-0.7% QoQ
|
-$53.9M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$88.9M
+4.3% YoY
+1.0% QoQ
|
-$50.3M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$139.8M
+1.1% YoY
+3.5% QoQ
|
-$43.8M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.00%
-4.2% YoY
-7.4% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.79%
+1.9% YoY
+1.4% QoQ
|
-0.06% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
56.79%
+2.4% YoY
+3.2% QoQ
|
-10.93% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.82%
+87.2% YoY
+175.2% QoQ
|
+0.18% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
63.54%
+3.1% YoY
-2.4% QoQ
|
-10.98% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
23.32%
-4.9% YoY
+4.5% QoQ
|
+0.92% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.44%
+92.2% YoY
+179.9% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
40% |
| 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 ? |
0.08%
-11.4% YoY
+45.9% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(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
76
76th pctile
Efficiency Ratio
Current: 56.79% · Tier avg: 67.73%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.32% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
42
42th pctile
Total Deposits
Current: $139.8M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $163.6M · Tier avg: $217.5M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
38
38th pctile
Total Loans
Current: $88.9M · Tier avg: $139.2M
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.54% · Tier avg: 74.53%
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.54% · Tier avg: 74.53%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
38
38th pctile
Total Loans
Current: $88.9M · Tier avg: $139.2M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
42
42th pctile
Total Assets
Current: $163.6M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $139.8M · Tier avg: $183.7M
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.32% · Tier avg: 22.39%
76
76th pctile
Efficiency Ratio
Current: 56.79% · Tier avg: 67.73%