BlastPoint's Banking Scorecard
State Bank of Bottineau
Micro
Specialty: Agricultural
ND
FDIC cert 9121
Designations: ✓ Community bank
Bottineau, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
State Bank of Bottineau shows strong momentum with 2 strengths and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.5M
+7.0% YoY
-0.5% QoQ
|
-$98.0M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$97.3M
+7.8% YoY
-7.3% QoQ
|
-$41.9M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$100.4M
+1.1% YoY
+4.2% QoQ
|
-$83.2M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.44%
-5.2% YoY
-3.6% QoQ
|
+0.36% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.32%
-3.1% YoY
-0.1% QoQ
|
+0.47% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
62.01%
-0.3% YoY
+1.5% QoQ
|
-5.72% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
96.91%
+6.6% YoY
-11.0% QoQ
|
+22.38% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.64%
-11.2% YoY
+0.4% QoQ
|
+3.25% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-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 ? |
10.49%
+2.3% YoY
+7.2% QoQ
|
+1.63% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.25%
+2.2% YoY
+29.0% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (2)
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 (0)
No concerns identified
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%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.64% · Tier avg: 22.39%
61
61th pctile
Efficiency Ratio
Current: 62.01% · Tier avg: 67.73%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.49% · Tier avg: 8.85%
42
42th pctile
Total Loans
Current: $97.3M · Tier avg: $139.2M
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
29
29th pctile
Total Assets
Current: $119.5M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $100.4M · Tier avg: $183.7M
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.91% · Tier avg: 74.53%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.91% · Tier avg: 74.53%
29
29th pctile
Total Deposits
Current: $100.4M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $119.5M · Tier avg: $217.5M
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
42
42th pctile
Total Loans
Current: $97.3M · Tier avg: $139.2M
53
53th pctile
Tier 1 Capital Ratio
Current: 10.49% · Tier avg: 8.85%
61
61th pctile
Efficiency Ratio
Current: 62.01% · Tier avg: 67.73%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.64% · Tier avg: 22.39%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
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%