Side-by-side · Q2 2026 data
First National Bank and Trust Co. of Bottineau vs Horizon Financial 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 | Horizon Financial Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 61 |
| Capital cushion | 86 (stronger) | 58 |
| Loan quality | 75 (stronger) | 55 |
| Earnings | 71 (stronger) | 59 |
| Funding & liquidity | 95 (stronger) | 63 |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 84th | 20th |
| Total assets | $175.9M | $201.0M |
| Deposits / shares | $151.0M | $178.5M |
| Capital ratio | 13.60% (stronger) | 10.78% |
| Problem loans | 0.75% (stronger) | 1.34% |
| Net charge-offs | 0.23% | 0.00% (stronger) |
| Return on assets | 1.29% (stronger) | 0.97% |
| Loans ÷ deposits | 54.9% (stronger) | 83.5% |
| Uninsured deposits | 19.7% (stronger) | 27.6% |
| Offices | 1 | 5 |
| 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 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust Co. of Bottineau leads on 6 and Horizon Financial Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.