First Nb&T Co of Bottineau
Bottineau, North Dakota · FDIC Cert #3902
First Nb&T Co of Bottineau is an FDIC-insured bank (Certificate #3902) with $164M in total assets and $142M in total deposits as of the Q2 2024 Call Report. Headquartered in Bottineau, North Dakota, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.72%. BankHealthData assigns a composite Health Grade of C (59/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb&T Co of Bottineau (FDIC cert 3902) is a community bank — $164M in total assets, $142M in deposits, serving the Bottineau, North Dakota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.72% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 47.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.61% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. First Nb&T Co of Bottineau carries a composite BankHealth grade of C (59/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb&T Co of Bottineau
- Total Assets
- $164M
- Total Deposits
- $142M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.72%
- Liquidity Ratio
- 47.39%
- Return on Assets
- 1.61%
- Headquarters
- Bottineau, North Dakota
- FDIC Certificate
- #3902
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb&T Co of Bottineau holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject First Nb&T Co of Bottineau to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
First Nb&T Co of Bottineau shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb&T Co of Bottineau Compares
First Nb&T Co of Bottineau’s Health Score of 59 is 9 points below the North Dakota state average of 68 across 55 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.72% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.61% is in line with or above the national ROA benchmark of ~1.1%. Among 1429 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, First Nb&T Co of Bottineau is 11 points below the portfolio average of 70.
Frequently Asked Questions
First Nb&T Co of Bottineau has a Bank Health Score of C (59/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb&T Co of Bottineau's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.72% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb&T Co of Bottineau is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3902). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb&T Co of Bottineau holds $164M in total assets and $142M in total deposits. It is headquartered in Bottineau, North Dakota (FDIC Certificate #3902).
First Nb&T Co of Bottineau has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.72%, and the return on assets is 1.61%.
Yes. First Nb&T Co of Bottineau is FDIC-insured (Certificate #3902). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb&T Co of Bottineau's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.