Side-by-side · Q2 2026 data
First National Bank and Trust Co. of Bottineau vs Peoples State Bank of Velva
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 | Peoples State Bank of Velva |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 86 (stronger) | 43 |
| Loan quality | 75 | 97 (stronger) |
| Earnings | 71 | 83 (stronger) |
| Funding & liquidity | 95 (stronger) | 65 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 84th | 53rd |
| Total assets | $175.9M | $210.0M |
| Deposits / shares | $151.0M | $184.4M |
| Capital ratio | 13.60% (stronger) | 9.31% |
| Problem loans | 0.75% | 0.10% (stronger) |
| Net charge-offs | 0.23% | 0.01% (stronger) |
| Return on assets | 1.29% | 1.58% (stronger) |
| Loans ÷ deposits | 54.9% (stronger) | 81.8% |
| Uninsured deposits | 19.7% (stronger) | 27.2% |
| Offices | 1 | 2 |
| 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 73). 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 Peoples State Bank of Velva on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.