State Bank of Bottineau
BankRegReports is independent of State Bank of Bottineau and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
State Bank of Bottineau is an FDIC-insured commercial bank headquartered in Bottineau, ND, established in 1901 (FDIC certificate 9121), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $117.2M, up 3.7% from Q2 2025, the 45th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 10.51% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9121
- Headquarters
- Bottineau, ND
- Established
- 1901
- Total assets, Q2 2026
- $117.2M
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 10.51%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091303871
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Bottineau Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- STATE BANK OF BOTTINEAU HOLDING COMPANY
- Asset rank in state
- 45th of 60 in North Dakota
State Bank of Bottineau operates with a thinner capital cushion than most banks of its size. It reported $117 million in assets at June 30, 2026, up 3.7% from a year earlier. It holds common equity equal to 10.51% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). 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 5.1%. Funding is the softer spot: it pays an average of 2.28% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, State Bank of Bottineau reported a CET1 capital ratio of 10.51%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.51%. The figures come from its call report filed with the FFIEC.
State Bank of Bottineau ranks as the 45th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $117.2M, loans rose 6.6% and deposits rose 0.1%. Agricultural production loans made up 37.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 27.7%. The FDIC Summary of Deposits lists a single office for it, in Bottineau, ND. By the capital ratios in its Q2 2026 call report, State Bank of Bottineau meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 11th St E, Bottineau, ND 58318
- County
- Bottineau
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 21, 1901
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $98.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $116.9M
- Average total loans
- $96.6M
- Average interest-bearing deposits
- $76.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9121
- Fed RSSD
- 1014554
- Parent Holding Company
- STATE BANK OF BOTTINEAU HOLDING COMPANY (RSSD 1127436)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank of Bottineau's total assets ranged from $100.5M (Q1 2024) to $120.1M (Q3 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
$117.2M total assets against $113.0M; $107.3M total liabilities against $103.6M.
$98.8M net loans and leases against $101.6M; $98.4M total deposits against $93.7M.
$1.5M securities against $1.0M; $8.7M cash and balances due against $1.9M.
$1.7M total interest income against $1.7M; $606K total interest expense against $577K.
$1.1M net interest income against $1.1M.
$74K total noninterest income against $76K; $782K total noninterest expense against $736K.
$23K provision for credit losses against $35K.
$369K net income against $407K.
1.26% return on assets against 1.48%; 4.06% net interest margin against 4.37%.
10.51% CET1 capital ratio against 9.96%; 8.46% tier 1 leverage ratio against 8.57%.
Inside the full State Bank of Bottineau terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
State Bank of Bottineau rankings
Its closest position to the top of a national ranking is 1,848 of 3,611, for ROA; its furthest is 2,045 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.17% (Q1 2026) to 1.68% (Q3 2024) and its net interest margin ran from 3.92% (Q1 2026) to 4.41% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.51% | 1.26% | 0.06% | 0.51% | 4.06% |
| Q1 2026 | 10.32% | 1.17% | 0.00% | 0.00% | 3.92% |
| Q4 2025 | 10.49% | 1.30% | 0.00% | 0.00% | 4.28% |
| Q3 2025 | 9.78% | 1.52% | 0.04% | 0.40% | 4.29% |
| Q2 2025 | 9.96% | 1.48% | 0.05% | 0.45% | 4.37% |
| Q1 2025 | 10.05% | 1.55% | 0.18% | 1.62% | 4.22% |
| Q4 2024 | 10.25% | 1.42% | 0.00% | 0.00% | 4.37% |
| Q3 2024 | 9.30% | 1.68% | 0.09% | 0.82% | 4.41% |
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 |
|---|---|---|---|
| State Bank of Bottineau (main office) | Bottineau , ND | 58318 | $98.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in ND, rank 53 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $450K approved, $450K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows State Bank of Bottineau’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about State Bank of Bottineau
What are State Bank of Bottineau's total assets?
As of the Q2 2026 filing, State Bank of Bottineau reported total assets of $117.2 million in its FFIEC call report.
Where is State Bank of Bottineau headquartered?
It is headquartered in Bottineau, ND, United States.
When was State Bank of Bottineau founded?
It was established in 1901, per the FDIC institution directory.
Is State Bank of Bottineau FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Bottineau?
State Bank of Bottineau's primary federal regulator is the FDIC.
What is State Bank of Bottineau's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.51% in its Q2 2026 call report, above regulatory requirements.
How many branches does State Bank 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 State Bank of Bottineau's Texas Ratio?
Its Texas Ratio is 0.51% 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.
Go deeper on State Bank of Bottineau.
Get an email when State Bank of Bottineau files its next call report, and benchmark it against any peer you choose.
Unlock State Bank of Bottineau, freeFree account