Side-by-side · Q2 2026 data
American State Bank & Trust Company of Williston vs Gate City Bank
Bank
American State Bank & Trust Company of Williston
Williston, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | American State Bank & Trust Company of Williston | Gate City Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 65 |
| Capital cushion | 71 (stronger) | 48 |
| Loan quality | 31 | 77 (stronger) |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 76 | 78 (stronger) |
| Problem-loan coverage | 79 | 89 (stronger) |
| Peer percentile | 37th | 36th |
| Total assets | $643.5M | $4.0B |
| Deposits / shares | $569.1M | $3.6B |
| Capital ratio | 12.06% (stronger) | 9.85% |
| Problem loans | 2.07% | 0.69% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.16% |
| Return on assets | 2.63% (stronger) | 0.85% |
| Loans ÷ deposits | 52.0% (stronger) | 82.5% |
| Uninsured deposits | 37.1% | 10.9% (stronger) |
| Offices | 1 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American State Bank & Trust Company of Williston has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), American State Bank & Trust Company of Williston leads on 5 and Gate City Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.