Bank · FDIC insured
First National Bank and Trust Company of Bottineau
A $175.9M bank headquartered in Bottineau, ND, with 1 branch in North Dakota. Best rates: CDs 4.14% and savings 0.75% APY.
First National Bank and Trust Company of Bottineau Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#29 of 47 in North DakotaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank and Trust Company of Bottineau
First National Bank and Trust Company of Bottineau is located in Bottineau, North Dakota, and was originally chartered in 1906 as First National Bank of Kramer.
The bank moved to Bottineau in 1931, changing its name to First National Bank in Bottineau, and adopted its current name in 1975.
- Headquarters
- 424 Main St, Bottineau, ND 58318
- FDIC certificate
- 3902 ↗
Branches
1 branch in North Dakota
Loading map…
North Dakota
1 branch
- First National Bank and Trust Co. of BottineauMain office424 Main St, Bottineau, ND 58318Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.60% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.75% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.29% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $56 | $81 | — |
- CapitalLeverage ratio13.60%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.75%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.29%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$56Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank and Trust Company of Bottineau are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.