FDIC Cert #3902 · Bottineau, North Dakota · Est. 1906

First National Bank and Trust Co. of Bottineau - FDIC Bank Health Profile

A community-scale look at First National Bank and Trust Co. of Bottineau's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$164M
Total assets
A
Health grade · Excellent
1.00%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank and Trust Co. of Bottineau earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.14% Tier 1, profitable at 1.00% ROA, efficient (57% cost ratio).

#3,256
largest of 4,313 FDIC banks by assets
24th
percentile by asset size, nationally
14.14%
Tier 1 ratio - above the 10% well-capitalized line
43rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3902 · ND A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1281/4307
  • PHOTO-FINISH First National Bank · AR
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 3.0% Texas
  • ROA-PAR 1.00% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: First National Bank, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First National Bank and Trust Co. of…

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Mid Bank & Tru… · IL ·…87/100First National Bank · AR · n…87/100First National Bank… · ND · …87/100Grand Ridge National… · IL ·…87/100The Camden National… · ME · …87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank and Trust Co. of… · July 2026

Plate reading for First National Bank and Trust Co. of… where failures stay rare

First National Bank and Trust Co. of Bottineau (FDIC Cert #3902) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,281 of 4,307. Tier 1 capital prints at 14.14%, clearing the 10% well-capitalized line. The Texas Ratio is 2.95%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.00%. Balance-sheet scale is $164M, 3,256th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First National Bank and Trust Co. of…

Zero FAILURE resolutions in North Dakota since 2000

First National Bank and Trust Co. of Bottineau is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How First National Bank and Trust Co. of Bottineau's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
First National Bank and Trust Co. of Bottineau's composite health score
Tier 1 Capital Ratio (14.14%) 35/40
Return on Assets (ROA) (1.00%) 20/25
Texas Ratio (2.95%) 20/20
Efficiency Ratio (56.79%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$164M

Total balance-sheet footings

Total Deposits

$140M

Customer-funded liabilities

Net Loans

$89M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.74% 14.14% 15.54%
Basel III capital ratios - First National Bank and Trust Co. of Bottineau

Where First National Bank and Trust Co. of Bottineau ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank and Trust Co. of Bottineau's score of 87/100 falls in the highlighted band.

First National Bank and Trust Co. of Bottineau: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 30% higher than 70% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National Bank and Trust Co. of… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First National Bank and Trust Co. of Bottineau's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank and Trust Co. of Bottineau's $164M falls in the highlighted band.

Safety metrics: First National Bank and Trust Co. of…

Tier 1 capital ratio
Well-capitalized 10%

14.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.14%
Texas Ratio
2.95%
Equity Capital
$23M

What these ratios mean →

Earnings posture at First National Bank and Trust Co. of…

Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
7.30%
Efficiency Ratio
56.79%

What these mean →

Income & expense at First National Bank and Trust Co. of…

$8M
Interest Income
$126K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank and Trust Co. of Bottineau reports a Texas Ratio of 2.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank and Trust Co. of Bottineau on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($164M here), outside North Dakota so the neighborhood is not state containment.

Lineage Bank $163M · TN Audubon State Bank $163M · IA The Brady National Bank $164M · TX Security Bank of Texas $164M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank and Trust Co. of Bottineau (FDIC Cert #3902) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First National Bank and Trust Co. of Bottineau Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%