State Bank of Bottineau: how it compares with its peers
Against 23 ND banks with half to twice its assets, State Bank of Bottineau's strongest measure in Q2 2026 is net interest margin (4.05% vs. a 3.62% peer median). Its weakest relative measure is efficiency ratio (66.93% vs. 63.65%).
| Measure | State Bank of Bottineau | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.19% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.05% | 3.62% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.93% | 63.65% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $8.4M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.41% | 58.35% | Context |
What it means for lending operations
Its efficiency ratio of 66.93% is above the 63.65% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- McIntosh County Bank Ashley, ND · $119M
- Farmers & Merchants Bank of North Dakota Tolna, ND · $120M
- Turtle Mountain State Bank Belcourt, ND · $114M
- First State Bank of Golva Golva, ND · $124M
- Lincoln State Bank Hankinson, ND · $125M
- Strasburg State Bank Strasburg, ND · $104M
Questions about State Bank of Bottineau
How big is State Bank of Bottineau?
State Bank of Bottineau, established in 1901, is headquartered in Bottineau, ND. It reported $117M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is State Bank of Bottineau's return on assets?
1.21% annualized in Q2 2026, against a 1.19% median for 23 ND banks with half to twice its assets, ahead of 57% of them.
What is State Bank of Bottineau's efficiency ratio?
66.93% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 63.65%, and lower is better.
Is State Bank of Bottineau growing its loans?
Net loans shrank 2.7% over the year to Q2 2026, while deposits grew 5.1%.
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.