Commercial Bank of Mott
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank of Mott is an FDIC-insured commercial bank headquartered in Mott, ND, established in 1940 (FDIC certificate 15741), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $140.0M, down 5.8% from Q2 2025, the 40th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15741
- Headquarters
- Mott, ND
- Established
- 1940
- Total assets, Q2 2026
- $140.0M
- Assets vs Q2 2025
- -5.8%
- Tier 1 leverage ratio, Q2 2026
- 13.10%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091301815
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Bank of Mott call report
- Asset rank in state
- 40th of 60 in North Dakota
Commercial Bank of Mott runs leaner than most banks of its size. The Mott, North Dakota bank had $140 million in assets at June 30, 2026, down 5.8% from a year earlier. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter slipped 20% from a year earlier, to $636,000. Over the same year, loans shrank 6.2% and deposits grew 1.6%. Its margin is thin by comparison: it keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Commercial Bank of Mott reported a return on assets of 1.80%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Commercial Bank of Mott ranks as the 40th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.9% to $140.0M, loans rose 4.5% and deposits fell 4.8%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 42.6% of total loans, followed by agricultural production loans at 40.8%. The FDIC Summary of Deposits lists a single office for it, in Mott, ND. On its Q2 2026 call report, Commercial Bank of Mott meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 325 Brown Ave, Mott, ND 58646
- County
- Hettinger
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 12, 1940
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $116.1M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $141.5M
- Average total loans
- $104.0M
- Average interest-bearing deposits
- $111.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 13, 1940
- FDIC Cert
- 15741
- Fed RSSD
- 1008553
- Website
- http://www.cbmott.com →
- Parent Holding Company
- RSSD 2354592
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Commercial Bank of Mott reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Commercial Bank of Mott's total assets moved between a low of $133.8M (Q3 2023) and a high of $148.6M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$140.0M total assets against $148.6M; $122.3M total liabilities against $132.3M.
$104.2M net loans and leases against $111.1M; $116.1M total deposits against $114.2M.
$28.2M securities against $28.6M; $2.4M cash and balances due against $3.1M.
$1.8M total interest income against $1.9M; $717K total interest expense against $781K.
$1.1M net interest income against $1.2M.
$34K total noninterest income against $36K; $453K total noninterest expense against $411K.
$40K provision for credit losses against $0.
$636K net income against $799K.
1.80% return on assets against 2.19%; 3.13% net interest margin against 3.32%.
13.10% tier 1 leverage ratio against 11.91%.
Inside the full Commercial Bank of Mott terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Bank of Mott rankings
Its closest position to the top of a national ranking is 212 of 3,606, for efficiency ratio; its furthest is 3,586 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.08% (Q4 2024) to 2.19% (Q2 2025) and its net interest margin ran from 2.50% (Q3 2024) to 3.32% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.10% | 1.80% | 0.00% | 0.00% | 3.13% |
| Q1 2026 | 12.43% | 1.69% | 0.00% | 0.00% | 3.01% |
| Q4 2025 | 13.16% | 1.36% | 0.00% | 0.00% | 3.08% |
| Q3 2025 | 12.22% | 1.61% | 0.00% | 0.00% | 2.90% |
| Q2 2025 | 11.91% | 2.19% | 0.00% | 0.00% | 3.32% |
| Q1 2025 | 11.54% | 1.70% | 0.22% | 1.46% | 3.12% |
| Q4 2024 | 11.83% | 1.08% | 0.49% | 3.22% | 2.78% |
| Q3 2024 | 11.24% | 1.13% | 0.00% | 0.00% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank of Mott (main office) | Mott , ND | 58646 | $116.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 25, 2005 | Structure Change | Acquired Mott Bankshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in ND, rank 46 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $169K approved, $169K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Commercial Bank of Mott
What are Commercial Bank of Mott's total assets?
As of the Q2 2026 filing, Commercial Bank of Mott reported total assets of $140.0 million in its FFIEC call report.
Where is Commercial Bank of Mott headquartered?
It is headquartered in Mott, ND, United States.
When was Commercial Bank of Mott founded?
It was established in 1940, per the FDIC institution directory.
Is Commercial Bank of Mott FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank of Mott?
Commercial Bank of Mott's primary federal regulator is the FDIC.
How many branches does Commercial Bank of Mott operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank of Mott's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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