Side-by-side · Q2 2026 data
First National Bank and Trust Co. of Bottineau vs Farmers and Merchants State Bank
Bank
First National Bank and Trust Co. of Bottineau
Bottineau, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | First National Bank and Trust Co. of Bottineau | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 75 (stronger) | 38 |
| Earnings | 71 | 82 (stronger) |
| Funding & liquidity | 95 (stronger) | 60 |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 84th | 57th |
| Total assets | $175.9M | $143.1M |
| Deposits / shares | $151.0M | $105.6M |
| Capital ratio | 13.60% | 15.70% (stronger) |
| Problem loans | 0.75% (stronger) | 1.86% |
| Net charge-offs | 0.23% | 0.00% (stronger) |
| Return on assets | 1.29% | 1.54% (stronger) |
| Loans ÷ deposits | 54.9% (stronger) | 75.8% |
| Uninsured deposits | 19.7% (stronger) | 36.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank and Trust Co. of Bottineau has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust Co. of Bottineau leads on 4 and Farmers and Merchants State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.