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First National Bank And Trust Co. Of Bottineau
Bottineau, ND · FDIC Certificate #3902 · Chartered 01/0
Total assets
$175.93M
Total deposits
$150.98M
Total equity
$23.35M
Net loans
$82.86M
Branches (offices)
1
Net income (YTD)
$1.11M
Rank: #3,137 of 4,213 U.S. banks by assets · #36 of 60 in North Dakota. Assets changed 3.3% and deposits 4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 9.71% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 13.27% |
| Tier 1 leverage ratio | 13.60% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 0.75% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 54.9% |
| Real estate loans (share of loans) | 49.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.61M | 49.0% | |
| Commercial & industrial | $5.46M | 6.6% | |
| Consumer / individual | $4.01M | 4.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $34.80M | 42.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $173.32M | $155.19M | $68.00K | $16.43M |
| Jun 2023 | $160.85M | $140.96M | $2.85M | $18.80M |
| Jun 2024 | $163.81M | $141.66M | $922.00K | $20.95M |
| Jun 2025 | $170.35M | $145.22M | $1.10M | $23.66M |
| Jun 2026 | $175.93M | $150.98M | $1.11M | $23.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $150.98M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $150.98M.
Similar-sized banks
Security Bank Of Texas ($175.95M) · Community State Bank ($175.89M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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