Side-by-side · Q2 2026 data
American State Bank & Trust Company of Williston vs United Valley 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 | United Valley Bank |
|---|---|---|
| TellerScore | 68 | 72 (stronger) |
| Capital cushion | 71 (stronger) | 55 |
| Loan quality | 31 | 96 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 76 (stronger) | 62 |
| Problem-loan coverage | 79 | 98 (stronger) |
| Peer percentile | 37th | 50th |
| Total assets | $643.5M | $751.6M |
| Deposits / shares | $569.1M | $628.5M |
| Capital ratio | 12.06% (stronger) | 10.50% |
| Problem loans | 2.07% | 0.13% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 2.63% (stronger) | 1.10% |
| Loans ÷ deposits | 52.0% (stronger) | 86.5% |
| Uninsured deposits | 37.1% | 25.2% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Valley Bank has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), American State Bank & Trust Company of Williston leads on 3 and United Valley Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.