First National Bank and Trust Co. of Bottineau is a national bank headquartered in Bottineau, North Dakota, in business for about 120 years. At the end of Q2 2026 it reported $175.9M in total assets and $151.0M in deposits, with 1 office.
Based on its Q2 2026 filing, First National Bank and Trust Co. of Bottineau scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 9th. Its strongest component is funding & liquidity (95/100; 55% loans-to-deposits, 20% uninsured), and its lowest is earnings (71/100; 1.29%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (89 → 83), mostly because the loan quality component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 88 |
| Q4 2024 | 88 |
| Q1 2025 | 86 |
| Q2 2025 | 89 |
| Q3 2025 | 89 |
| Q4 2025 | 81 |
| Q1 2026 | 86 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.16% |
| Q3 2024 | 14.76% |
| Q4 2024 | 14.94% |
| Q1 2025 | 14.42% |
| Q2 2025 | 14.33% |
| Q3 2025 | 14.96% |
| Q4 2025 | 14.14% |
| Q1 2026 | 13.86% |
| Q2 2026 | 13.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.75% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.12% |
| Q3 2024 | 1.18% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $175.9M | 13.60% | 0.75% | 1.29% | 54.9% |
| Q1 2026 | 86 | $179.8M | 13.86% | 0.51% | 1.35% | 50.1% |
| Q4 2025 | 81 | $163.6M | 14.14% | 0.80% | 1.00% | 63.5% |
| Q3 2025 | 89 | $164.8M | 14.96% | 0.29% | 1.08% | 65.1% |
| Q2 2025 | 89 | $170.4M | 14.33% | 0.33% | 1.29% | 58.7% |
| Q1 2025 | 86 | $180.2M | 14.42% | 0.47% | 1.20% | 49.5% |
| Q4 2024 | 88 | $161.1M | 14.94% | 0.43% | 1.04% | 61.6% |
| Q3 2024 | 88 | $158.4M | 14.76% | 0.44% | 1.18% | 64.2% |
| Q2 2024 | 84 | $163.8M | 14.16% | 0.72% | 1.12% | 58.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Goose River BankBank Mayville, ND | 62 out of 100, Moderate | $173.4M | 11.5% | 1.71% | vs |
| Liberty State BankBank Powers Lake, ND | 93 out of 100, Very strong | $159.0M | 13.7% | 0.09% | vs |
| Horizon Financial BankBank Munich, ND | 61 out of 100, Moderate | $201.0M | 10.8% | 1.34% | vs |
| State Bank & Trust of KenmareBank Kenmare, ND | 62 out of 100, Moderate | $201.1M | 9.2% | 1.10% | vs |
| Farmers and Merchants State BankBank Langdon, ND | 74 out of 100, Strong | $143.1M | 15.7% | 1.86% | vs |
| Peoples State Bank of VelvaBank Velva, ND | 73 out of 100, Strong | $210.0M | 9.3% | 0.10% | vs |
Deposit insurance
Is my money safe at First National Bank and Trust Co. of Bottineau?
Yes. First National Bank and Trust Co. of Bottineau is an FDIC-insured institution (FDIC certificate #3902). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.7% of deposits ($29.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
First National Bank and Trust Co. of Bottineau lists 1 office in 1 city. Most locations:
- Bottineau, ND (1)
Identity & history
Profile
- Legal name
- First National Bank and Trust Co. of Bottineau
- Former names
- First National Bank in Bottineau
- Type
- National bank
- FDIC certificate #
- 3902
- RSSD ID
- 974558
- Primary regulator
- OCC
- Holding company
- First Bottineau Inc
- Established
- January 1, 1906
- Headquarters
- 424 Main St, Bottineau, ND 58318
- Website
- www.firstbottineau.com
- Employees
- 21
Quick answers
First National Bank and Trust Co. of Bottineau: common questions
Is First National Bank and Trust Co. of Bottineau FDIC insured?
Yes. First National Bank and Trust Co. of Bottineau is an FDIC-insured institution (FDIC certificate #3902). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank and Trust Co. of Bottineau's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First National Bank and Trust Co. of Bottineau ever failed?
There is no failure record for FDIC certificate #3902 in the FDIC failed bank list.
How many branches does First National Bank and Trust Co. of Bottineau have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bottineau
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of BottineauBank Bottineau, ND | 68 out of 100, Moderate | $117.2M | 8.5% | 0.06% | vs |
| North Star Community Credit UnionCredit union Maddock, ND | 61 out of 100, Moderate | $464.8M | 14.3% | 2.87% | vs |
| Starion BankBank Bismarck, ND | 56 out of 100, Moderate | $2.1B | 9.4% | 1.45% | vs |