Total Assets
$164M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$140M
Customer-funded liabilities
Net Loans
$89M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
7.30%
Efficiency Ratio
56.79%
What the numbers say about First National Bank and Trust Co. of Bottineau
First National Bank and Trust Co. of Bottineau is an FDIC-insured institution (Certificate #3902) headquartered in Bottineau, North Dakota, established in 1906. It holds $164M in total assets - 3,256th of 4,313 FDIC-insured banks, $140M in customer deposits, and $89M in net loans. Its capital position: a Tier 1 ratio of 14.14%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.95% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (87 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank and Trust Co. of Bottineau is a community-scale institution -- 37th of 61 FDIC-insured banks headquartered in North Dakota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in North Dakota by total assets
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.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First National Bank and Trust Co. of Bottineau's health grade?▼
First National Bank and Trust Co. of Bottineau receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank and Trust Co. of Bottineau?▼
First National Bank and Trust Co. of Bottineau holds $164M in total assets and $140M in deposits, ranking 3,256th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bottineau, North Dakota.
Is my money safe at First National Bank and Trust Co. of Bottineau?▼
Yes, deposits at First National Bank and Trust Co. of Bottineau (Certificate #3902) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank and Trust Co. of Bottineau's Tier 1 Capital Ratio?▼
First National Bank and Trust Co. of Bottineau has a Tier 1 Capital Ratio of 14.14%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank and Trust Co. of Bottineau?▼
First National Bank and Trust Co. of Bottineau has a Texas Ratio of 2.95%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank and Trust Co. of Bottineau?▼
First National Bank and Trust Co. of Bottineau has an Efficiency Ratio of 56.79%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank and Trust Co. of Bottineau's profile as a depositor or analyst.
- First National Bank and Trust Co. of Bottineau's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank and Trust Co. of Bottineau against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.