First National Bank and Trust Company of Bottineau
Also written as FNB&T
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Data as of · sourced from FFIEC call reports. How we update
First National Bank and Trust Company of Bottineau is an FDIC-insured commercial bank headquartered in Bottineau, ND, supervised by the OCC, with $175.9M in total assets at Q2 2026, up 3.3% from Q2 2025, the 36th largest of 60 banks headquartered in North Dakota. It was established in 1906 and holds FDIC certificate 3902. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3902
- Headquarters
- Bottineau, ND
- Established
- 1906
- Total assets, Q2 2026
- $175.9M
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 13.60%
- Domestic offices
- 1 · First National Bank and Trust Company of Bottineau branches FDIC institution directory, current count
- Routing number
- 091304634
- Safety and soundness
- Is First National Bank and Trust Company of Bottineau safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank and Trust Company of Bottineau Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- FIRST BOTTINEAU, INC.
- Asset rank in state
- 36th of 60 in North Dakota
Problem loans are rising at First National Bank and Trust Company of Bottineau. Based in Bottineau, North Dakota, it had $176 million in assets at June 30, 2026, up 3.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.75% of loans from 0.33% a year earlier. It holds commercial real estate loans equal to only 17% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also shrank its loan book 2.3% over the year, lower than about three-quarters of banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 2.3% and deposits rose 4.0%.
As of June 30, 2026, First National Bank and Trust Company of Bottineau reported a return on assets of 1.19%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
First National Bank and Trust Company of Bottineau ranks as the 36th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.2% to $175.9M, loans rose 6.4% and deposits fell 2.9%. Its loan book on June 30, 2026 was led by agricultural production loans, at 41.0% of total loans, followed by farmland and other real estate loans at 30.9%. The FDIC Summary of Deposits lists a single office for it, in Bottineau, ND. By the capital ratios in its Q2 2026 call report, First National Bank and Trust Company of Bottineau meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 424 Main St, Bottineau, ND 58318
- County
- Bottineau
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- First National Bank and Trust Co. of Bottineau (1975)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $151.0M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $98K
- Average total assets
- $180.2M
- Average total loans
- $80.6M
- Average interest-bearing deposits
- $119.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3902
- Fed RSSD
- 974558
- Website
- www.firstbottineau.com →
- Parent Holding Company
- FIRST BOTTINEAU, INC. (RSSD 1131237)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank and Trust Company of Bottineau reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank and Trust Company of Bottineau's total assets ran between $158.4M (Q3 2024) and $180.2M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$175.9M total assets against $170.4M; $152.6M total liabilities against $146.7M.
$82.9M net loans and leases against $85.2M; $151.0M total deposits against $145.2M.
$66.1M securities against $75.8M; $23.9M cash and balances due against $6.0M.
$2.2M total interest income against $2.2M; $584K total interest expense against $577K.
$1.7M net interest income against $1.6M.
$36K total noninterest income against $32K; $887K total noninterest expense against $892K.
$130K provision for credit losses against $0.
$536K net income against $585K.
1.19% return on assets against 1.34%; 3.76% net interest margin against 3.72%.
13.60% tier 1 leverage ratio against 14.33%.
Inside the full First National Bank and Trust Company of Bottineau terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank and Trust Company of Bottineau rankings
Its closest position to the top of a national ranking is 964 of 3,606, for efficiency ratio; its furthest is 3,125 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q4 2024) to 1.34% (Q2 2025) and its net interest margin ran from 3.50% (Q1 2025) to 3.89% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.60% | 1.19% | 0.75% | 2.50% | 3.76% |
| Q1 2026 | 13.86% | 1.34% | 0.51% | 1.63% | 3.69% |
| Q4 2025 | 14.14% | 0.75% | 0.80% | 2.80% | 3.89% |
| Q3 2025 | 14.96% | 0.65% | 0.29% | 1.00% | 3.76% |
| Q2 2025 | 14.33% | 1.34% | 0.33% | 1.13% | 3.72% |
| Q1 2025 | 14.42% | 1.21% | 0.47% | 1.51% | 3.50% |
| Q4 2024 | 14.94% | 0.64% | 0.43% | 1.58% | 3.66% |
| Q3 2024 | 14.76% | 1.29% | 0.44% | 0.48% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank and Trust Co. of Bottineau | Bottineau , ND | 58318 | $151.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 26, 2017, OCC: Formal Agreement: First National Bank and Trust Co. of Bottineau
- Period: Most recent institution action January 26, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in ND, rank 42 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $88K approved, $88K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank and Trust Company of Bottineau
What are First National Bank and Trust Company of Bottineau's total assets?
As of the Q2 2026 filing, First National Bank and Trust Company of Bottineau reported total assets of $175.9 million in its FFIEC call report.
Where is First National Bank and Trust Company of Bottineau headquartered?
It is headquartered in Bottineau, ND, United States.
When was First National Bank and Trust Company of Bottineau founded?
It was established in 1906, per the FDIC institution directory.
Is First National Bank and Trust Company of Bottineau FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3902). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank and Trust Company of Bottineau?
First National Bank and Trust Company of Bottineau's primary federal regulator is the OCC.
How many branches does First National Bank and Trust Company of Bottineau operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank and Trust Company of Bottineau's Texas Ratio?
Its Texas Ratio is 2.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First National Bank and Trust Company of Bottineau previously called?
The charter now named First National Bank and Trust Company of Bottineau has also operated as First National Bank and Trust Co. of Bottineau (1975), per FDIC structure-change records.
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