Headquartered in Mott, North Dakota, Commercial Bank of Mott is a state-chartered bank with $140.0M in total assets and $116.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1940.
Based on its Q2 2026 filing, Commercial Bank of Mott scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 5th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (63/100; 90% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (83 → 87), mostly because the capital cushion component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 76 |
| Q4 2024 | 73 |
| Q1 2025 | 78 |
| Q2 2025 | 83 |
| Q3 2025 | 84 |
| Q4 2025 | 87 |
| Q1 2026 | 85 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.60% |
| Q3 2024 | 11.24% |
| Q4 2024 | 11.83% |
| Q1 2025 | 11.54% |
| Q2 2025 | 11.91% |
| Q3 2025 | 12.22% |
| Q4 2025 | 13.16% |
| Q1 2026 | 12.43% |
| Q2 2026 | 13.10% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.66% |
| Q3 2024 | 1.48% |
| Q4 2024 | 1.38% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.93% |
| Q3 2025 | 1.82% |
| Q4 2025 | 1.71% |
| Q1 2026 | 1.71% |
| Q2 2026 | 1.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $140.0M | 13.10% | 0.00% | 1.76% | 89.8% |
| Q1 2026 | 85 | $145.7M | 12.43% | 0.00% | 1.71% | 81.8% |
| Q4 2025 | 87 | $138.3M | 13.16% | 0.00% | 1.71% | 89.4% |
| Q3 2025 | 84 | $147.3M | 12.22% | 0.00% | 1.82% | 97.9% |
| Q2 2025 | 83 | $148.6M | 11.91% | 0.00% | 1.93% | 97.3% |
| Q1 2025 | 78 | $146.8M | 11.54% | 0.22% | 1.68% | 97.3% |
| Q4 2024 | 73 | $143.7M | 11.83% | 0.49% | 1.38% | 103.6% |
| Q3 2024 | 76 | $148.2M | 11.24% | 0.00% | 1.48% | 110.0% |
| Q2 2024 | 80 | $143.2M | 11.60% | 0.00% | 1.66% | 104.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants State BankBank Langdon, ND | 74 out of 100, Strong | $143.1M | 15.7% | 1.86% | vs |
| Lincoln State BankBank Hankinson, ND | 76 out of 100, Strong | $125.1M | 10.0% | 0.15% | vs |
| First State Bank of GolvaBank Golva, ND | 55 out of 100, Moderate | $123.5M | 9.0% | 2.51% | vs |
| Liberty State BankBank Powers Lake, ND | 93 out of 100, Very strong | $159.0M | 13.7% | 0.09% | vs |
| Farmers & Merchants Bank of North DakotaBank Tolna, ND | 73 out of 100, Strong | $119.8M | 11.0% | 0.73% | vs |
| McIntosh County BankBank Ashley, ND | 84 out of 100, Strong | $118.7M | 11.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Commercial Bank of Mott?
Yes. Commercial Bank of Mott is an FDIC-insured institution (FDIC certificate #15741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.8% of deposits ($25.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Commercial Bank of Mott lists 1 office in 1 city. Most locations:
- Mott, ND (1)
Identity & history
Profile
- Legal name
- Commercial Bank of Mott
- Type
- State-chartered bank
- FDIC certificate #
- 15741
- RSSD ID
- 1008553
- Primary regulator
- FDIC
- Holding company
- Commercial Bk Mott Employee Stk Ownership Plan
- Established
- June 12, 1940
- Headquarters
- 325 Brown Ave, Mott, ND 58646
- Website
- www.cbmott.com
- Employees
- 9
Quick answers
Commercial Bank of Mott: common questions
Is Commercial Bank of Mott FDIC insured?
Yes. Commercial Bank of Mott is an FDIC-insured institution (FDIC certificate #15741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Bank of Mott's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial Bank of Mott ever failed?
There is no failure record for FDIC certificate #15741 in the FDIC failed bank list.
How many branches does Commercial Bank of Mott have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mott
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dakota Western BankBank Bowman, ND | 76 out of 100, Strong | $416.2M | 11.6% | 0.84% | vs |
| Dakota Community Bank & Trust, National AssociationBank Hebron, ND | 76 out of 100, Strong | $1.4B | 9.1% | 0.08% | vs |