Side-by-side · Q2 2026 data
First State Bank & Trust vs American State Bank & Trust Company of Williston
Bank
American State Bank & Trust Company of Williston
Williston, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | First State Bank & Trust | American State Bank & Trust Company of Williston |
|---|---|---|
| TellerScore | 94 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 100 (stronger) | 31 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 73 | 76 (stronger) |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 98th | 37th |
| Total assets | $542.6M | $643.5M |
| Deposits / shares | $466.0M | $569.1M |
| Capital ratio | 15.38% (stronger) | 12.06% |
| Problem loans | 0.00% (stronger) | 2.07% |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 1.76% | 2.63% (stronger) |
| Loans ÷ deposits | 44.7% (stronger) | 52.0% |
| Uninsured deposits | 39.6% | 37.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank & Trust has the higher TellerScore (94 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First State Bank & Trust leads on 4 and American State Bank & Trust Company of Williston on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.