First National Bank and Trust Company of Bottineau: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank and Trust Company of Bottineau of Bottineau, ND against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.19% | 1.34% | -0.15% | 45th below |
| ROAE | 9.27% | 13.32% | -4.05% | 32nd below |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 52.15% | 61.13% | -8.98% | 76th top |
| PPNR / Avg Assets | 1.80% | 1.68% | +0.12% | 63rd above |
| Yield on Earning Assets | 5.07% | 5.67% | -0.60% | 26th below |
| Cost of Funds | 1.51% | 1.88% | -0.37% | 69th above |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.58% | 0.94% | -0.36% | 42nd below |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 53rd above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans | 2.47% | 1.28% | +1.19% | 96th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 427.90% | 1546.33% | -1118.43% | 67th above |
| Texas Ratio | 2.50% | 7.34% | -4.84% | 58th above |
| Provision / NCO | 132.65% | 1395.19% | -1262.54% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.60% | 12.14% | +1.46% | 79th top |
| Equity / Assets | 13.27% | 11.36% | +1.91% | 80th top |
| TCE / Tangible Assets | 13.27% | 11.08% | +2.19% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.28% | 80.67% | -24.39% | 87th top |
| Core Deposit Ratio | 92.40% | 86.85% | +5.55% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.28% | 6.84% | -3.56% | 42nd below |
| Loan Growth (Y/Y) | -2.33% | 7.92% | -10.25% | 14th bottom |
| Deposit Growth (Y/Y) | 3.96% | 6.29% | -2.33% | 49th below |
See First National Bank and Trust Company of Bottineau's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank and Trust Company of Bottineau, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank and Trust Company of Bottineau profile, how to read a UBPR, or how this data updates.