State Bank of Bottineau: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.21 percentage points higher than in Q1 2026, at 102.15%. State Bank of Bottineau ranks 37th of 60 North Dakota banks on return on assets, in the lower half at 1.26% (Q2 2026). At 1.26%, State Bank of Bottineau's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.51% |
| Tier 1 risk-based capital ratio | 10.51% |
| Total risk-based capital ratio | 11.77% |
| Tier 1 leverage ratio | 8.46% |
| Equity capital to assets | 8.43% |
| Tangible equity to tangible assets | 8.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.51% |
| Allowance for credit losses to loans | 1.71% |
| Reserve coverage of non-performing loans | 2911.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 15.09% |
| Net interest margin | 4.06% |
| Efficiency ratio | 66.59% |
| Yield on earning assets | 6.30% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.15% |
| Core deposits to total deposits | 80.96% |
| Brokered deposits to total deposits | 5.71% |
| Deposits to assets | 83.98% |
| Securities to assets | 1.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 8.79% | 8.79% | 10.04% | 7.98% | 1.58% |
| Q4 2023 | 9.73% | 9.73% | 10.99% | 8.63% | 1.44% |
| Q1 2024 | 9.40% | 9.40% | 10.65% | 8.31% | 1.38% |
| Q2 2024 | 9.25% | 9.25% | 10.50% | 8.40% | 1.68% |
| Q3 2024 | 9.30% | 9.30% | 10.55% | 8.31% | 1.68% |
| Q4 2024 | 10.25% | 10.25% | 11.51% | 8.76% | 1.42% |
| Q1 2025 | 10.05% | 10.05% | 11.30% | 8.33% | 1.55% |
| Q2 2025 | 9.96% | 9.96% | 11.21% | 8.57% | 1.48% |
| Q3 2025 | 9.78% | 9.78% | 11.03% | 8.29% | 1.52% |
| Q4 2025 | 10.49% | 10.49% | 11.74% | 8.65% | 1.30% |
| Q1 2026 | 10.32% | 10.32% | 11.58% | 8.29% | 1.17% |
| Q2 2026 | 10.51% | 10.51% | 11.77% | 8.46% | 1.26% |
State Bank of Bottineau vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bottineau, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 State Bank of Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9121) · FFIEC NIC profile (RSSD 1014554)