First State Bank & Trust
Williston, ND
IDRSSD: 248455
Total Assets
$535.83M
Latest filing
Total Deposits
$461.50M
Latest filing
Net Interest Margin
3.09%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank & Trust
22 4th St E
Williston, ND 58801
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/01/1926FDIC Certificate 9260
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank & Trust (Main) | 22 4th St E | Williston, ND |
| CROSBY BRANCH | 122 N Main Street | Crosby, ND |
| NORTH BRANCH | 105 26th St W | Williston, ND |
| RAY BRANCH | 24 Rr Avenue | Ray, ND |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/01/1926 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58801 |
| State and County Number | 38105 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Williston, ND |
Operational Info
| Number of Employees | 69 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 11/02/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbtnd.bank |
| Data Updated | 01/30/2026 |
| CERT | 14801 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $535.83M |
| Total Deposits | $461.50M |
| Total Liabilities | $462.81M |
| Total Equity Capital | $73.01M |
| Net Income | $2.12M |
| Net Loans and Leases | $209.05M |
| Assets Per Employee ($Millions) | $7.65M |
| Bank Premises and Fixed Assets | $3.46M |
| Cash and Balances due from Depository Institutions | $17.73M |
| Deposits Held in Domestic Offices | $461.50M |
Key Performance Ratios
| Return on Assets (ROA) | 1.59% |
| Return on Equity (ROE) | 11.76% |
| Net Interest Margin | 3.09% |
| Efficiency Ratio | 56.75% |
| Tier 1 Risk-Based Capital Ratio | 27.685% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.626% |
| Earning Assets to total Assets | 95.29% |
Income and Expense
| Total Interest Income | $5.60M |
| Total Noninterest Income | $1.11M |
| Total Interest Expense | $1.67M |
| Total Noninterest Expense | $2.86M |
| Net Interest Income | $3.93M |
| Pre-tax Net Operating Income | $2.11M |
| Provision for Credit Losses | $70.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.32M |
| Total Liabilities and Capital | $535.83M |
Securities
| Securities | $292.92M |
| Available-for-sale debt securities | $292.59M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank & Trust?
$535.83M as of the latest filing.
How much are First State Bank & Trust's total deposits?
$461.50M in total deposits.
Where is First State Bank & Trust located?
Williston, ND.
What is the Net Interest Margin?
3.09%.
How many domestic offices does it operate?
4.
When was it established?
02/01/1926.
What is the Return on Assets (ROA)?
1.59%.
How much are total loans and leases?
$209.05M (latest filing).
What is the total interest income (latest filing)?
$5.60M.