First National Bank and Trust Company of Bottineau: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 4.89 percentage points in Q2 2026, from 51.39% to 56.28%. It was the largest change from Q1 2026 among the key lines here. First National Bank and Trust Company of Bottineau ranks 47th of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 56.28% (Q2 2026). First National Bank and Trust Company of Bottineau reported 56.28% on loan-to-deposit ratio for Q2 2026, 24.56 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.0M |
| Net loans and leases | $82.9M |
| Loans held for sale | $0 |
| Loans to total assets | 48.29% |
| Loan-to-deposit ratio | 56.28% |
| Net loans to equity capital | 3.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.73% |
| Multifamily (5+ residential) | 0.48% |
| Commercial and industrial | 6.43% |
| Consumer | 4.72% |
| Credit cards | 0.00% |
| Farm | 30.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.63% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.57% |
| Interest income on loans | $1.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $80.2M | $135.0M | 4.83% | 6.29% | 5.00% |
| Q4 2023 | $82.2M | $143.9M | 4.67% | 5.79% | 4.82% |
| Q1 2024 | $74.8M | $146.0M | 4.20% | 5.78% | 5.32% |
| Q2 2024 | $84.5M | $141.7M | 4.79% | 7.37% | 4.62% |
| Q3 2024 | $86.4M | $131.7M | 4.62% | 4.87% | 4.61% |
| Q4 2024 | $87.0M | $138.3M | 4.42% | 4.09% | 4.51% |
| Q1 2025 | $79.1M | $156.2M | 4.62% | 4.75% | 4.89% |
| Q2 2025 | $87.0M | $145.2M | 4.08% | 5.97% | 4.41% |
| Q3 2025 | $90.1M | $135.1M | 4.75% | 5.60% | 4.65% |
| Q4 2025 | $90.9M | $139.8M | 4.52% | 4.71% | 4.55% |
| Q1 2026 | $79.9M | $155.5M | 4.88% | 5.26% | 4.89% |
| Q2 2026 | $85.0M | $151.0M | 4.73% | 6.43% | 4.72% |
First National Bank and Trust Company of Bottineau loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust Company of Bottineau, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank and Trust Company of Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3902) · FFIEC NIC profile (RSSD 974558)