First National B&T Co. of Bottineau Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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First National B&T Co. of Bottineau's 60-Month CD rates are at 4.14%, 36-Month CD, 2 Options rates are at 3.79%, 12-Month CD rates are at 3.68%, 18-Month CD rates are at 3.53%, 182 Day CD rates are at 3.53%. First National B&T Co. of Bottineau's savings rates are at 0.55%. First National B&T Co. of Bottineau's money market rates are at 0.75%. MonitorBankRates evaluates the financial stability of First National B&T Co. of Bottineau with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.84%. Rates were last updated on 03/02/2026.
Rate Updates and AvailabilityFirst National B&T Co. of Bottineau money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National B&T Co. of Bottineau? Share your experience about First National B&T Co. of Bottineau by leaving a review below, or read customer reviews before you decide to use First National B&T Co. of Bottineau. First National B&T Co. of Bottineau Texas RatioFirst National B&T Co. of Bottineau's Texas Ratio is at 0.84%, which is considered excellent. The Texas Ratio for First National B&T Co. of Bottineau is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
First National B&T Co. of Bottineau has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, First National B&T Co. of Bottineau is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
First National B&T Co. of Bottineau has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
First National B&T Co. of Bottineau CD Rates
First National B&T Co. of Bottineau Savings Rates
First National B&T Co. of Bottineau Money Market Rates
First National B&T Co. of Bottineau Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First National B&T Co. of Bottineau is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First National B&T Co. of Bottineau rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First National B&T Co. of Bottineau's official website for the most current offers and terms.
Bank Profile & OverviewFirst National B&T Co. of Bottineau
424 Main StBottineau, ND 58318 Bottineau Established Date: 01/01/1906 FDIC Certificate #: 3902 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: FIRST BOTTINEAU INC How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.firstbottineau.com
Is First National B&T Co. of Bottineau FDIC Insured? Yes
What is First National B&T Co. of Bottineau's Cert number? 3902
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.84%
Return on Assets (ROA):
2.6670%
Return on Equity (ROE):
24.1400%
Non-Performing Loans (NPL):
0.10%
Total Assets:
$163,641,000
Total Deposits:
$139,840,000
Equity Capital:
$22,603,000
Net Income:
$1,681,000
Headquarters:
Bottineau
Regulator:
OCC
# of Offices:
1
Source: FDIC | Last Updated 12/31/2025
Customer ReviewscRYb
December 17, 2025
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Frequently Asked Questions About First National B&T Co. of BottineauHow do I open an account at First National B&T Co. of Bottineau?You can typically open an account at First National B&T Co. of Bottineau by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, First National B&T Co. of Bottineau provides a range of mortgage and home equity products. Is First National B&T Co. of Bottineau a safe place to deposit money?Yes, First National B&T Co. of Bottineau is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does First National B&T Co. of Bottineau offer online and mobile banking?Most modern institutions like First National B&T Co. of Bottineau provide digital access including online balance checks and transfers. Compare to other Banks |
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