# COMMERCIAL BANK OF MOTT
MOTT, ND · FDIC certificate 15741 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $140.0M | |
| Deposits | $116.1M | |
| Loans and leases | $105.2M | |
| Total equity | $17.7M | |
| Loans / deposits | 89.79% (p79 of band) | 73.59% |
| Liquid assets / assets | 21.93% (p26 of band) | |
| Uninsured deposits / deposits | 21.79% (p57 of band) | 19.81% |
| Brokered deposits | 1.21% | |
| Wholesale funding | 4.83% (p72 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.10% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -4.81% (p58 of band) | -6.57% |
| AOCI / equity | -0.97% (p28 of band) | |
| ROA (annualized) | 1.76% (p78 of band) | 1.17% |
| Net interest margin | 3.15% (p17 of band) | 3.93% |
| Efficiency ratio | 42.50% (p5 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 55% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $626,000 (0.59% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | loans exceed deposits |  |
| 2015-09 | 2 | wholesale funding >15% |  |
| 2015-12 | 1 |  | wholesale funding >15% |
| 2016-03 | 0 |  | loans exceed deposits |
| 2016-06 | 2 | loans exceed deposits, assets shrinking |  |
| 2016-09 | 1 |  | loans exceed deposits |
| 2016-12 | 0 |  | assets shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | loans exceed deposits |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | loans exceed deposits |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 0 |  | NIM <2.5% |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 1 | wholesale funding >15% |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 2 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-06-08 [Louise Schmidt Obituary Jun 8, 2021 - eastgatefuneral.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5mVWUtV3JzcUFwMkZLWEtMVmNUT09kUUpyNTc2RlE1Q2xILVQyVkZmLWRfRWYzeVlZYko1eVNiaXNTaFNtVzlYMXFISXNxUnZfV0V3X1JjNXF6ZDNKbG5rN0w4Rk9rYzZo?oc=5) · eastgatefuneral.com
- 2024-08-03 [Julie Hammond Obituary Aug 3, 2024 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTFBxb1RvYzgxWTcyYWNRVF9LbXRLeC0yOVVZZWtPdXBJcUZWWkRFb3plVmM1S04yTGpjbmQzOUxRVW1yVWE3NXp2V0JPTzU5ZkNFQ0I3N1JHc3dueGJLOEVTMkRPc0dtcFQ1bXU4RVN3?oc=5) · Stevenson Funeral Homes
- 2025-11-21 [Clarence "Otto" Vetter Obituary Nov 21, 2025 - Altogether Funeral](https://news.google.com/rss/articles/CBMisgFBVV95cUxOdGlkdHBsWUQ5OVlMU0FCc2JDRngzeVlxQU5KMzRoM0F1YlhFWHJjU2xTVm1qYUsteWtwMG1reTlRX1NOY0xSQ1ZzV05DbEN6NjdNOUZ1eDRHeEV4QzVXRXlYYWFTUVh2WVZXdkJSOVIySG5abFpJSWN2QWxTMm96a0R4LTAwODlraG9sMERvMTJueEtfZnUyUjRlRi1PQ2Y2R3E2Q2RFTS1SVTJkMHlXTWNB?oc=5) · Altogether Funeral
- 2026-02-03 [Winter Ball raises funds for youth education in Mott and Regent counties - thedickinsonpress.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPYXkzbGhocUIyamlYYi10cWdlaW80Qk4tR3F2cXYxVmJtWjZDem1CSHJPSGZGQjVfQmhsODd5UEpENzZ0Mjk4S0kyTU05dWFhU2lBWnpVangzNTNXNlRUX0Rva3dnNWljYTMwZVZvVmhvbExERFdzdGY1QlBCeGp4eF9tN3JadzJZV3ltYmpFMXJaQlVTVkxLQ2Q1N1pzTUkwZF9PRnFOQ3MzQ1pVbjNwMzFhdXJzcTlv?oc=5) · thedickinsonpress.com
- 2015-07-07 [Wehri joins research and education board - Agweek](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZdGY1QWtsN1MwNFNveWNETmJIT3M5eDhLZ3F2OV9lTlQzQ3I4TjlnS2x2ekFwNHFyMUFJQVhmNENodC1taFFHZnVjeGpPcmNZRlE1NXJPMGo1M1BObGhVSUV4bV9MOTE1eHkyQm9tam1jcWpiX2E4?oc=5) · Agweek
- 2022-05-26 [Sanford to close Mott nursing home, refuses city proposal to use facility for senior care - thedickinsonpress.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxNNVUyZllfWkwyMlh5czM3MUplVTlFalYyNkRHZ2gtdGRrbDJwc1dDYkVzU2c4c0wxLVlYcFBDQU5Nd0VKNThWOGx5bDhoNWlzSlgwODFqZWNnMk03aHgtUHNHZl9jc2I3dXlPOV9BX0ZXbWVnUTh4RTF6UDlJdFJmd2NpSHN5X2dFTXZmQXJkQlZGS2dvY1dFcFlYWk5CRk50V1UzZmpBZXdMZjE2QU1vOU5mRnJ2WXVRQm5vZEpjVFNZRTFTZkE?oc=5) · thedickinsonpress.com
- 2017-01-31 [Donald Loh Obituary (2017) - Bismarck, ND - The Bismarck Tribune - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZ3U0UU1ielRoN0lVN0gtMnBfWjBxQzZtaUN2OGpYejdPS09zWHJwV2xNMDJLTjg5NnZQUFI0QkVNbEhhMzBFZ3VCeUZ4a3VkTVZ4eU9Ocy1OM3gwM2lqV3RGcGFzX2gyaGtfYzJXeGdkN21RczFNcVdpcXdjdjRHSlVLZ3lMZEl6SkNabzA4dGRYRk0?oc=5) · legacy.com
- 2000-06-01 [Leona Vetter Obituary (2000) - Mott, ND - The Bismarck Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxObzlkaG1MNS1mNVZWODRvQXRXTERPck9TZm5POWktMGVRRnd1NVBfQVNmT1FjOFRTeUdWaHFDVXdzYnNZVlBxczdPVkplVGh2NFhEWlJ0S2dFYXBLUG85TlpEM2lRNkV0bUN5MmRWNkpGOHlLMm8tM3k0VGVzSVRvSmRjTmtMQ2lGeWNLSWRXRnJzUW56XzAxeg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15741 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "15741", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide