Side-by-side · Q2 2026 data
First National Bank and Trust Co. of Bottineau vs North Star Community Credit Union
Bank
First National Bank and Trust Co. of Bottineau
Bottineau, North Dakota · $100 million – $1 billion
Credit union
North Star Community Credit Union
Maddock, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | First National Bank and Trust Co. of Bottineau | North Star Community Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 61 |
| Capital cushion | 86 | 93 (stronger) |
| Loan quality | 75 (stronger) | 4 |
| Earnings | 71 (stronger) | 67 |
| Funding & liquidity | 95 (stronger) | 76 |
| Problem-loan coverage | 95 (stronger) | 71 |
| Peer percentile | 84th | 24th |
| Total assets | $175.9M | $464.8M |
| Deposits / shares | $151.0M | $396.8M |
| Capital ratio | 13.60% | 14.31% (stronger) |
| Problem loans | 0.75% (stronger) | 2.87% |
| Net charge-offs | 0.23% (stronger) | 0.44% |
| Return on assets | 1.29% (stronger) | 1.18% |
| Loans ÷ deposits | 54.9% (stronger) | 84.3% |
| Uninsured deposits | 19.7% | 7.3% (stronger) |
| Offices | 1 | 12 |
| 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 5 and North Star Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.