State Bank of Bottineau

105 11th Street East
Bottineau, ND 58318

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9121
Date Established 1901
Assets $0.08 billion
Loans $0.06 billion
Deposits $0.07 billion
Capital $0.01 billion

State Bank of Bottineau is an FDIC insured institution located in Bottineau, ND. It was founded in 1901 and has approximately $0.08 billion in assets.

For a more detailed analysis of State Bank of Bottineau's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in State Bank of Bottineau’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in North Dakota, State Bank of Bottineau has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.61
Multifamily
Mortgages
0.29
Credit Card Loans 0.00
Consumer Auto Loans 0.88
Small Business Loans 3.60
Construction and Development Loans 1.13
Commercial Real Estate 5.27
Commercial and Industrial Loans 8.54
Farm Loans 37.55

Deposit Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
6 Mo CD
1.00% $1 - Learn MoreShow Less
12 Mo CD
1.51% $1 - Learn MoreShow Less
18 Mo CD
2.01% $1 - Learn MoreShow Less
36 Mo CD
2.63% $2,500 - Learn MoreShow Less
60 Mo CD
2.92% $1 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.51% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $500 - Learn MoreShow Less

Loan Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for State Bank of Bottineau

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.910% 3.875% 0.00 $1,072 $1,176 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.902% 3.875% 0.38 $830 $1,176 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.876% 3.875% 0.00 $25 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to State Bank of Bottineau
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Branches

State Bank of Bottineau branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


State Bank of Bottineau Locations


Financial Details

State Bank of Bottineau Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of State Bank of Bottineau. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
State Bank of Bottineau U.S. Bank Average
0% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, State Bank of Bottineau had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,461,000 in equity and $785,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
State Bank of Bottineau U.S. Bank Average
12.33% 8.80%

State Bank of Bottineau has a Return on Equity of 12.33% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
State Bank of Bottineau U.S. Bank Average
9.6% 12.29%

State Bank of Bottineau has a Capitalization of 9.6% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

State Bank of Bottineau Balance Sheet Analysis

As of December 31, 2018, State Bank of Bottineau had assets of $77,754,000, loans of $63,822,000, and deposits of $67,328,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
LIABILITIES
Total deposits $0.07 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 85.44%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About State Bank Of Bottineau

Branches and Savings

Is State Bank Of Bottineau FDIC insured?

Yes. It is covered under FDIC Certificate #9121.

Why does State Bank Of Bottineau pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are State Bank Of Bottineau CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is State Bank Of Bottineau a commercial bank?

Yes

Where are State Bank Of Bottineau locations?

See branch locations nearby.

Is State Bank Of Bottineau open on Saturdays?

Is State Bank Of Bottineau open on Sundays?

What time does State Bank Of Bottineau open?

What time does State Bank Of Bottineau close?

Are State Bank Of Bottineau ATMs Open 24/7?

Do State Bank Of Bottineau ATMs accept cash deposits?

Can State Bank Of Bottineau customers use other ATMs?

Do State Bank Of Bottineau branches have notaries?

Will State Bank Of Bottineau notarize my document?

What address for State Bank Of Bottineau should I put for incoming ACH transfers?

Will the State Bank Of Bottineau branch print checks?

Do State Bank Of Bottineau checks expire?

Does State Bank Of Bottineau require US citizenship to open account?

Can State Bank Of Bottineau close my account?

Does State Bank Of Bottineau Report to credit bureaus?

Does State Bank Of Bottineau Use Equifax?

What is State Bank Of Bottineau's ACH Routing Number?

What is State Bank Of Bottineau's SWIFT code?

Products

Does State Bank Of Bottineau offer mortgages?

Compare mortgage rates here.

Does State Bank Of Bottineau offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does State Bank Of Bottineau offer personal loans?

Compare personal loan rates here.

Does State Bank Of Bottineau offer student loans?

Will State Bank Of Bottineau cash a check?

Will State Bank Of Bottineau redeem a savings bond?

Does State Bank Of Bottineau cash savings bonds?

Will State Bank Of Bottineau cash money orders?

Can State Bank Of Bottineau issue a money order?

Does State Bank Of Bottineau do currency exchange?

Background on The Bank

Who owns State Bank Of Bottineau?

How long has State Bank Of Bottineau been around?

Can State Bank Of Bottineau transfer to other banks?

Does State Bank Of Bottineau have quick pay?

Does State Bank Of Bottineau accept rolled coins?

Will State Bank Of Bottineau accept loose change?

Where is State Bank Of Bottineau headquarters?

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