Commercial Bank of Mott
Total assets
$140.0M
▼ -5.8% YoY
Deposits
$116.1M
▲ +1.6% YoY
Loans
$104.2M
▼ -6.2% YoY
Offices
1
COMMERCIAL BK MOTT EMPLOYEE STK OWNERSHIP PLAN
ROA (annualized)
1.76%
peers 1.24%
ROE (annualized)
14.19%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +4.4% | -10.2 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.3 pts |
| Loan growth (YoY) | -6.2% | +5.6% | -11.8 pts |
| ROA | 1.76% | 1.24% | +0.5 pts |
| ROE | 14.2% | 11.9% | +2.3 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
Profile
- Established
- 1940
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COMMERCIAL BK MOTT EMPLOYEE STK OWNERSHIP PLAN
- Specialization
- Agricultural Specialization
- Address
- 325 Brown Ave, Mott, ND, 58646
- County
- Hettinger
- Offices
- 1
- FDIC cert #
- 15741
- RSSD ID
- 1008553
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.0M | $116.1M | $104.2M | $17.7M | $1.2M | 1.76% | 3.15% | 0.00% |
| Q1 2026 | $145.7M | $122.0M | $99.8M | $17.1M | $607K | 1.71% | 3.06% | 0.00% |
| Q4 2025 | $138.3M | $112.9M | $100.9M | $17.8M | $2.5M | 1.71% | 3.16% | 0.00% |
| Q3 2025 | $147.3M | $112.2M | $109.9M | $17.2M | $2.0M | 1.82% | 3.17% | 0.00% |
| Q2 2025 | $148.6M | $114.2M | $111.1M | $16.3M | $1.4M | 1.93% | 3.22% | 0.00% |
| Q1 2025 | $146.8M | $112.3M | $109.3M | $15.2M | $611K | 1.68% | 3.11% | 0.16% |
| Q4 2024 | $143.7M | $102.6M | $106.3M | $15.1M | $2.0M | 1.38% | 2.83% | 0.36% |
| Q3 2024 | $148.2M | $100.5M | $110.6M | $15.3M | $1.6M | 1.48% | 2.83% | 0.00% |
Loan mix (Q2 2026): real estate $57.9M · commercial $3.1M · consumer $1.3M · securities $28.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Commercial Bank of Mott | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.96% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.5% | 62.9% | 6th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Commercial Bank of Mott | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Commercial Bank of Mott | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Commercial Bank of Mott | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Commercial Bank of Mott | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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