FIRST NATIONAL BANK AND TRUST COMPANY OF BOTTINEAU

BOTTINEAU, ND | Small | Est. Jan. 1, 1906, midnight | FDIC #3902 | RSSD #974558 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK AND TRUST COMPANY OF BOTTINEAU is asn small FDIC-insured commercial bank headquartered in BOTTINEAU, ND, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $164M and total deposits of $140M. Profitability stands at 0.75% ROA and 5.30% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 13.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.66% and a Texas Ratio of 2.43%. FDIC Certificate #3902. The institution operates 1 domestic branch.

Assets

$164M

Deposits

$140M

Loans

$91M

Equity

$23M

Profitability

Return on Assets (ROA) 0.75%
Return on Equity (ROE) 5.30%
Net Interest Margin (NIM) 4.17%
Yield on Assets 5.61%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.66%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.43%
NPA Ratio 0.37%
ACL / Loans 2.28%

Capital & Liquidity

CET1 Ratio 13.81%
Tier 1 Capital 13.81%
Total Capital Ratio 14.50%
Leverage Ratio 14.14%
Loan-to-Deposit 65.02%

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