B
First National Bank and Trust Company of Bottineau
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
14.96
Return On
Assets
1.07%
Total
Assets
164.84M
Capital
24.23M
Total
Deposits
135.14M
Net
Income
1.37M
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Weiss Ratings First National Bank and Trust Company of Bottineau
Bottineau, ND 		Click to
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Rating B
Asset Quality Index 7.70
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 6.00
Stability Index 8.20
Company Info First National Bank and Trust Company of Bottineau
Bottineau, ND 		Click to
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FDIC Number 3902
Phone Number (701) 228-2236
Website www.firstbottineau.com
Asset Quality First National Bank and Trust Company of Bottineau
Bottineau, ND 		Click to
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1-Year Asset Growth 4.04%
5-Year Asset Growth 2.41%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 0.96%
Non-Performing Loans to Loans 0.29%
Balance Sheet First National Bank and Trust Company of Bottineau
Bottineau, ND 		Click to
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Total Assets 164.84M
Total Deposits 135.14M
Capital and Reserves First National Bank and Trust Company of Bottineau
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Capital 24.23M
Leverage Ratio 14.96
Loan Loss Reserves to Loans 2.30%
Risk-Based Capital Ratio --
Liquidity First National Bank and Trust Company of Bottineau
Bottineau, ND 		Click to
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Hot Money Ratio 16.81%
Liquidity Ratio 23.61%
Profitability First National Bank and Trust Company of Bottineau
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5-Year Return on Average Assets 0.91%
Net Income 1.37M
Net Interest Spread 3.66%
Operating Profit to Average Assets 1.41%
Overhead Efficiency Ratio 55.01%
Return on Assets 1.07%
Return on Equity 7.90%