Side-by-side · Q2 2026 data
First National Bank and Trust Co. of Bottineau vs Liberty 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 | Liberty State Bank |
|---|---|---|
| TellerScore | 83 | 93 (stronger) |
| Capital cushion | 86 | 87 (stronger) |
| Loan quality | 75 | 97 (stronger) |
| Earnings | 71 | 96 (stronger) |
| Funding & liquidity | 95 (stronger) | 88 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 84th | 98th |
| Total assets | $175.9M | $159.0M |
| Deposits / shares | $151.0M | $142.2M |
| Capital ratio | 13.60% | 13.66% (stronger) |
| Problem loans | 0.75% | 0.09% (stronger) |
| Net charge-offs | 0.23% | 0.04% (stronger) |
| Return on assets | 1.29% | 1.90% (stronger) |
| Loans ÷ deposits | 54.9% | 40.7% (stronger) |
| Uninsured deposits | 19.7% (stronger) | 25.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty State Bank has the higher TellerScore (93 vs 83). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust Co. of Bottineau leads on 1 and Liberty State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.