Side-by-side · Q2 2026 data
State Bank & Trust of Kenmare vs First National Bank and Trust Co. of Bottineau
Bank
First National Bank and Trust Co. of Bottineau
Bottineau, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | State Bank & Trust of Kenmare | First National Bank and Trust Co. of Bottineau |
|---|---|---|
| TellerScore | 62 | 83 (stronger) |
| Capital cushion | 42 | 86 (stronger) |
| Loan quality | 63 | 75 (stronger) |
| Earnings | 66 | 71 (stronger) |
| Funding & liquidity | 80 | 95 (stronger) |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 22nd | 84th |
| Total assets | $201.1M | $175.9M |
| Deposits / shares | $182.8M | $151.0M |
| Capital ratio | 9.25% | 13.60% (stronger) |
| Problem loans | 1.10% | 0.75% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.23% |
| Return on assets | 1.15% | 1.29% (stronger) |
| Loans ÷ deposits | 45.8% (stronger) | 54.9% |
| Uninsured deposits | 33.5% | 19.7% (stronger) |
| Offices | 3 | 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 62). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust of Kenmare leads on 2 and First National Bank and Trust Co. of Bottineau on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.