Commercial Bank of Mott: how it compares with its peers
Against 22 ND banks with half to twice its assets, Commercial Bank of Mott's strongest measure in Q2 2026 is assets per employee ($15.6M vs. a $8.1M peer median). Its weakest relative measure is net interest margin (3.15% vs. 3.64%).
| Measure | Commercial Bank of Mott | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.76% | 1.19% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 3.64% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.50% | 60.89% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.6M | $8.1M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.79% | 56.62% | Context |
What it means for lending operations
Its efficiency ratio of 42.50% is better than the 60.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers and Merchants State Bank Langdon, ND · $143M
- Lincoln State Bank Hankinson, ND · $125M
- First State Bank of Golva Golva, ND · $124M
- Liberty State Bank Powers Lake, ND · $159M
- Farmers & Merchants Bank of North Dakota Tolna, ND · $120M
- McIntosh County Bank Ashley, ND · $119M
Questions about Commercial Bank of Mott
How big is Commercial Bank of Mott?
Commercial Bank of Mott, established in 1940, is headquartered in Mott, ND. It reported $140M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Commercial Bank of Mott's return on assets?
1.76% annualized in Q2 2026, against a 1.19% median for 22 ND banks with half to twice its assets, ahead of 82% of them.
What is Commercial Bank of Mott's efficiency ratio?
42.50% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is Commercial Bank of Mott growing its loans?
Net loans shrank 6.2% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ND banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.