First National Bank and Trust Co. of Bottineau: how it compares with its peers
Against 22 ND banks with half to twice its assets, First National Bank and Trust Co. of Bottineau's strongest measure in Q2 2026 is efficiency ratio (53.37% vs. a 57.34% peer median). Its weakest relative measure is return on assets (1.29% vs. 1.45%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.45% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 3.68% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.37% | 57.34% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $7.9M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.89% | 67.78% | Context |
What it means for lending operations
Its efficiency ratio of 53.37% is better than the 57.34% 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
- The Goose River Bank Mayville, ND · $173M
- Liberty State Bank Powers Lake, ND · $159M
- Horizon Financial Bank Munich, ND · $201M
- State Bank & Trust of Kenmare Kenmare, ND · $201M
- Farmers and Merchants State Bank Langdon, ND · $143M
- Peoples State Bank of Velva Velva, ND · $210M
Questions about First National Bank and Trust Co. of Bottineau
How big is First National Bank and Trust Co. of Bottineau?
First National Bank and Trust Co. of Bottineau, established in 1906, is headquartered in Bottineau, ND. It reported $176M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First National Bank and Trust Co. of Bottineau's return on assets?
1.29% annualized in Q2 2026, against a 1.45% median for 22 ND banks with half to twice its assets, ahead of 41% of them.
What is First National Bank and Trust Co. of Bottineau's efficiency ratio?
53.37% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 57.34%, and lower is better.
Is First National Bank and Trust Co. of Bottineau growing its loans?
Net loans shrank 2.8% over the year to Q2 2026, while deposits grew 4.0%.
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.