Headquartered in Williston, North Dakota, American State Bank & Trust Company of Williston is a state-chartered bank with $643.5M in total assets and $569.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1936.
Based on its Q2 2026 filing, American State Bank & Trust Company of Williston scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 35th. Its strongest component is earnings (100/100; 2.63%), and its lowest is loan quality (31/100; 2.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (60 → 68), mostly because the loan quality component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 71 |
| Q4 2024 | 69 |
| Q1 2025 | 68 |
| Q2 2025 | 60 |
| Q3 2025 | 74 |
| Q4 2025 | 76 |
| Q1 2026 | 73 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.22% |
| Q3 2024 | 12.33% |
| Q4 2024 | 12.60% |
| Q1 2025 | 12.43% |
| Q2 2025 | 11.81% |
| Q3 2025 | 11.98% |
| Q4 2025 | 12.51% |
| Q1 2026 | 12.43% |
| Q2 2026 | 12.06% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.61% |
| Q3 2024 | 1.84% |
| Q4 2024 | 2.09% |
| Q1 2025 | 2.06% |
| Q2 2025 | 2.78% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.35% |
| Q1 2026 | 1.64% |
| Q2 2026 | 2.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.18% |
| Q3 2024 | 2.19% |
| Q4 2024 | 2.17% |
| Q1 2025 | 2.14% |
| Q2 2025 | 2.27% |
| Q3 2025 | 2.37% |
| Q4 2025 | 2.50% |
| Q1 2026 | 2.45% |
| Q2 2026 | 2.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $643.5M | 12.06% | 2.07% | 2.63% | 52.0% |
| Q1 2026 | 73 | $660.5M | 12.43% | 1.64% | 2.45% | 49.0% |
| Q4 2025 | 76 | $647.5M | 12.51% | 1.35% | 2.50% | 51.3% |
| Q3 2025 | 74 | $631.9M | 11.98% | 1.29% | 2.37% | 52.8% |
| Q2 2025 | 60 | $637.2M | 11.81% | 2.78% | 2.27% | 54.3% |
| Q1 2025 | 68 | $646.1M | 12.43% | 2.06% | 2.14% | 52.8% |
| Q4 2024 | 69 | $628.9M | 12.60% | 2.09% | 2.17% | 53.3% |
| Q3 2024 | 71 | $615.5M | 12.33% | 1.84% | 2.19% | 54.7% |
| Q2 2024 | 72 | $601.1M | 12.22% | 1.61% | 2.18% | 55.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Unison BankBank Jamestown, ND | 67 out of 100, Moderate | $596.9M | 10.0% | 0.44% | vs |
| BankNorthBank Arthur, ND | 72 out of 100, Strong | $694.1M | 10.3% | 0.58% | vs |
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |
| First State Bank & TrustBank Williston, ND | 94 out of 100, Very strong | $542.6M | 15.4% | 0.00% | vs |
| United Valley BankBank Cavalier, ND | 72 out of 100, Strong | $751.6M | 10.5% | 0.13% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |
Deposit insurance
Is my money safe at American State Bank & Trust Company of Williston?
Yes. American State Bank & Trust Company of Williston is an FDIC-insured institution (FDIC certificate #15444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.1% of deposits ($210.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.06% (benchmark: 10%).
2 locations
Branches
American State Bank & Trust Company of Williston lists 1 office in 1 city. Most locations:
- Williston, ND (1)
Identity & history
Profile
- Legal name
- American State Bank & Trust Company of Williston
- Former names
- American State Bank of Williston
- Type
- State-chartered bank
- FDIC certificate #
- 15444
- RSSD ID
- 244251
- Primary regulator
- FDIC
- Holding company
- American Stb Holding Co Inc
- Established
- December 1, 1936
- Headquarters
- 223 Main St, Williston, ND 58801
- Website
- www.asbt.bank
- Employees
- 84
Quick answers
American State Bank & Trust Company of Williston: common questions
Is American State Bank & Trust Company of Williston FDIC insured?
Yes. American State Bank & Trust Company of Williston is an FDIC-insured institution (FDIC certificate #15444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American State Bank & Trust Company of Williston's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American State Bank & Trust Company of Williston ever failed?
There is no failure record for FDIC certificate #15444 in the FDIC failed bank list.
How many branches does American State Bank & Trust Company of Williston have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Williston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank & TrustBank Williston, ND | 94 out of 100, Very strong | $542.6M | 15.4% | 0.00% | vs |
| Gate City BankBank Fargo, ND | 65 out of 100, Moderate | $4.0B | 9.8% | 0.69% | vs |
| Western CooperativeCredit union Williston, ND | 64 out of 100, Moderate | $522.2M | 14.2% | 3.17% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |
| First International Bank & TrustBank Watford City, ND | 52 out of 100, Below average | $6.2B | 9.1% | 1.54% | vs |