STATE BANK OF BOTTINEAU

BOTTINEAU, ND | Small | Est. Oct. 21, 1901, midnight | FDIC #9121 | RSSD #1014554 | FDIC
Latest Report: 2025-12-31

STATE BANK OF BOTTINEAU is asn small FDIC-insured commercial bank headquartered in BOTTINEAU, ND, established in Oct. 21, 1901, midnight. As of 2025-12-31, the bank reported total assets of $120M and total deposits of $100M. Profitability stands at 1.27% ROA and 15.27% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 10.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9121.

Assets

$120M

Deposits

$100M

Loans

$99M

Equity

$10M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 15.27%
Net Interest Margin (NIM) 4.13%
Yield on Assets 6.38%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.10%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 10.49%
Tier 1 Capital 10.49%
Total Capital Ratio 11.74%
Leverage Ratio 8.65%
Loan-to-Deposit 98.58%

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