TellerScore

Headquartered in Bottineau, North Dakota, State Bank of Bottineau is a state-chartered bank with $117.2M in total assets and $98.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1901.

State Bank of Bottineau has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 36th. Problem-loan coverage contributes the most (99/100, 0.5%); capital cushion contributes the least (35/100, 8.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.46%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings68/100
Return on assets (annualized): 1.21%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 100.4% · 15.2% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.51%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202468
Q4 202473
Q1 202569
Q2 202569
Q3 202568
Q4 202571
Q1 202668
Q2 202668
Tier 1 leverage ratio
5.00%6.88%8.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.40%
Q3 20248.31%
Q4 20248.76%
Q1 20258.33%
Q2 20258.57%
Q3 20258.29%
Q4 20258.65%
Q1 20268.29%
Q2 20268.46%
Noncurrent loans
0.00%0.09%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.09%
Q4 20240.00%
Q1 20250.18%
Q2 20250.05%
Q3 20250.04%
Q4 20250.00%
Q1 20260.00%
Q2 20260.06%
Return on assets
1.16%1.36%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.51%
Q3 20241.57%
Q4 20241.52%
Q1 20251.52%
Q2 20251.48%
Q3 20251.50%
Q4 20251.44%
Q1 20261.16%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$117.2M8.46%0.06%1.21%100.4%
Q1 202668$116.9M8.29%0.00%1.16%94.2%
Q4 202571$119.5M8.65%0.00%1.44%96.9%
Q3 202568$120.1M8.29%0.04%1.50%108.9%
Q2 202569$113.0M8.57%0.05%1.48%108.5%
Q1 202569$110.7M8.33%0.18%1.52%94.2%
Q4 202473$111.7M8.76%0.00%1.52%90.9%
Q3 202468$112.6M8.31%0.09%1.57%104.9%
Q2 202470$106.4M8.40%0.00%1.51%101.7%

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).

Capital ratio8.46%
6th
Total risk-based capital11.77%
51st
Problem loans0.06%
78th
Net charge-offs-0.00%
80th
Return on assets1.21%
48th
Net interest margin4.05%
57th
Efficiency ratio66.9%
37th
Loans to deposits100.4%
10th
Uninsured deposits15.2%
81st
Loan-loss reserves1.71%
87th
Texas ratio0.5%
76th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
McIntosh County BankBank Ashley, ND84 out of 100, Strong$118.7M11.0%0.00%vs
Farmers & Merchants Bank of North DakotaBank Tolna, ND73 out of 100, Strong$119.8M11.0%0.73%vs
Turtle Mountain State BankBank Belcourt, ND71 out of 100, Strong$114.1M12.9%1.75%vs
First State Bank of GolvaBank Golva, ND55 out of 100, Moderate$123.5M9.0%2.51%vs
Lincoln State BankBank Hankinson, ND76 out of 100, Strong$125.1M10.0%0.15%vs
Strasburg State BankBank Strasburg, ND74 out of 100, Strong$104.2M8.7%0.00%vs

Deposit insurance

Is my money safe at State Bank of Bottineau?

Yes. State Bank of Bottineau is an FDIC-insured institution (FDIC certificate #9121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.2% of deposits ($15.0M) 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 8.46%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.77% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

State Bank of Bottineau lists 1 office in 1 city. Most locations:

  • Bottineau, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
State Bank of Bottineau
Former names
State Bank of Souris, N.D.
Type
State-chartered bank
FDIC certificate #
9121
RSSD ID
1014554
Primary regulator
FDIC
Holding company
State Bk Bottineau Holding Co
Established
October 21, 1901
Headquarters
105 11th St E, Bottineau, ND 58318
Employees
15

Quick answers

State Bank of Bottineau: common questions

Is State Bank of Bottineau FDIC insured?

Yes. State Bank of Bottineau is an FDIC-insured institution (FDIC certificate #9121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank of Bottineau's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has State Bank of Bottineau ever failed?

There is no failure record for FDIC certificate #9121 in the FDIC failed bank list.

How many branches does State Bank of Bottineau have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bottineau

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank and Trust Co. of BottineauBank Bottineau, ND83 out of 100, Strong$175.9M13.6%0.75%vs
North Star Community Credit UnionCredit union Maddock, ND61 out of 100, Moderate$464.8M14.3%2.87%vs
Starion BankBank Bismarck, ND56 out of 100, Moderate$2.1B9.4%1.45%vs