First State Bank & Trust (FDIC certificate #14801) is based in Williston, North Dakota. Its Q2 2026 call report shows $542.6M in total assets and $466.0M in deposits and 4 offices.
Based on its Q2 2026 filing, First State Bank & Trust scores 94/100, which we describe as very strong. That is higher than 98% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 1st. Its strongest component is capital cushion (100/100; 15.38%), and its lowest is funding & liquidity (73/100; 45% loans-to-deposits, 40% uninsured).
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 7 points (87 → 94), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 80 |
| Q4 2024 | 86 |
| Q1 2025 | 86 |
| Q2 2025 | 87 |
| Q3 2025 | 91 |
| Q4 2025 | 92 |
| Q1 2026 | 93 |
| Q2 2026 | 94 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.40% |
| Q3 2024 | 14.32% |
| Q4 2024 | 14.20% |
| Q1 2025 | 14.42% |
| Q2 2025 | 14.33% |
| Q3 2025 | 14.82% |
| Q4 2025 | 15.19% |
| Q1 2026 | 15.54% |
| Q2 2026 | 15.38% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.17% |
| Q4 2024 | 1.23% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.45% |
| Q4 2025 | 1.49% |
| Q1 2026 | 1.58% |
| Q2 2026 | 1.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $542.6M | 15.38% | 0.00% | 1.76% | 44.7% |
| Q1 2026 | 93 | $539.7M | 15.54% | 0.00% | 1.58% | 44.6% |
| Q4 2025 | 92 | $535.8M | 15.19% | 0.00% | 1.49% | 45.3% |
| Q3 2025 | 91 | $530.8M | 14.82% | 0.00% | 1.45% | 42.8% |
| Q2 2025 | 87 | $535.0M | 14.33% | 0.12% | 1.34% | 41.0% |
| Q1 2025 | 86 | $551.0M | 14.42% | 0.21% | 1.26% | 37.9% |
| Q4 2024 | 86 | $535.8M | 14.20% | 0.13% | 1.23% | 39.6% |
| Q3 2024 | 80 | $543.7M | 14.32% | 0.81% | 1.17% | 40.4% |
| Q2 2024 | 77 | $512.4M | 14.40% | 1.09% | 1.07% | 40.4% |
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 |
|---|---|---|---|---|---|
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |
| Unison BankBank Jamestown, ND | 67 out of 100, Moderate | $596.9M | 10.0% | 0.44% | vs |
| American State Bank & Trust Company of WillistonBank Williston, ND | 68 out of 100, Moderate | $643.5M | 12.1% | 2.07% | vs |
| First State BankBank Buxton, ND | 75 out of 100, Strong | $424.2M | 9.8% | 0.00% | vs |
| Dakota Heritage BankBank Hunter, ND | 63 out of 100, Moderate | $416.8M | 9.8% | 1.62% | vs |
| Dakota Western BankBank Bowman, ND | 76 out of 100, Strong | $416.2M | 11.6% | 0.84% | vs |
Deposit insurance
Is my money safe at First State Bank & Trust?
Yes. First State Bank & Trust is an FDIC-insured institution (FDIC certificate #14801). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.6% of deposits ($184.5M) 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 15.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.63% (benchmark: 10%).
4 locations
Branches
First State Bank & Trust lists 3 offices in 3 cities. Most locations:
- Crosby, ND (1)
- Ray, ND (1)
- Williston, ND (1)
Identity & history
Profile
- Legal name
- First State Bank & Trust
- Former names
- First National Bank & Trust Co. of Williston; First National Bank in Williston; The First & Commercial National Bank of Williston
- Type
- State-chartered bank
- FDIC certificate #
- 14801
- RSSD ID
- 248455
- Primary regulator
- FDIC
- Holding company
- Jorgenson Williston Holding Co
- Established
- February 1, 1926
- Headquarters
- 22 4th St E, Williston, ND 58801
- Website
- www.fsbtnd.bank
- Employees
- 65
Quick answers
First State Bank & Trust: common questions
Is First State Bank & Trust FDIC insured?
Yes. First State Bank & Trust is an FDIC-insured institution (FDIC certificate #14801). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank & Trust's TellerScore?
94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First State Bank & Trust ever failed?
There is no failure record for FDIC certificate #14801 in the FDIC failed bank list.
How many branches does First State Bank & Trust have?
4 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 |
|---|---|---|---|---|---|
| American State Bank & Trust Company of WillistonBank Williston, ND | 68 out of 100, Moderate | $643.5M | 12.1% | 2.07% | 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 |