Visbanking Logo

First State Bank & Trust

Williston, ND
IDRSSD: 248455
Total Assets
$530.83M
Latest filing
Total Deposits
$457.88M
Latest filing
Net Interest Margin
3.08%
Profitability
0

Quarterly Trends

Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Similar banks

American State Bank & Trust Company of Williston
Williston, North Dakota
→
Assets: $637.19MΔ +19.1%
KodaBank
Drayton, North Dakota
→
Assets: $517.08MΔ -3.3%
Unison Bank
Jamestown, North Dakota
→
Assets: $581.13MΔ +8.6%
The Bank of Tioga
Tioga, North Dakota
→
Assets: $441.94MΔ -17.4%
BankNorth
Arthur, North Dakota
→
Assets: $650.77MΔ +21.7%
Dakota Heritage Bank
Hunter, North Dakota
→
Assets: $407.17MΔ -23.9%

Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date02/01/1926
Community BankYes
Ownership TypeNot Mutual
ZIP58801
State and County Number38105
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameWilliston, ND

Operational Info

Number of Employees71
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance11/02/1934
Primary Insurance AgencyDIF
Websitewww.fsbtnd.bank
Data Updated11/14/2025
CERT14801
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$530.83M
Total Deposits$457.88M
Total Liabilities$459.38M
Total Equity Capital$71.45M
Net Income$2.24M
Net Loans and Leases$195.95M
Assets Per Employee ($Millions)$7.69M
Bank Premises and Fixed Assets$3.42M
Cash and Balances due from Depository Institutions$14.44M
Deposits Held in Domestic Offices$457.88M

Key Performance Ratios

Return on Assets (ROA)1.68%
Return on Equity (ROE)13.16%
Net Interest Margin3.08%
Efficiency Ratio53.36%
Tier 1 Risk-Based Capital Ratio28.404%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.46%
Earning Assets to total Assets95.52%

Income and Expense

Total Interest Income$5.63M
Total Noninterest Income$1.14M
Total Interest Expense$1.71M
Total Noninterest Expense$2.70M
Net Interest Income$3.92M
Pre-tax Net Operating Income$2.29M
Provision for Credit Losses$75.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$1.50M
Total Liabilities and Capital$530.83M

Securities

Securities$304.67M
Available-for-sale debt securities$304.35M
Equity securities with readily determinable fair values not held for trading$0
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?
$530.83M as of the latest filing.
How much are First State Bank & Trust's total deposits?
$457.88M in total deposits.
Where is First State Bank & Trust located?
Williston, ND.
What is the Net Interest Margin?
3.08%.
How many domestic offices does it operate?
4.
When was it established?
02/01/1926.
What is the Return on Assets (ROA)?
1.68%.
How much are total loans and leases?
$195.95M (latest filing).
What is the total interest income (latest filing)?
$5.63M.