A
First State Bank & Trust
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First State Bank & Trust
Williston, ND
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Rating A
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 4.40
Profitability Index 5.70
Stability Index 8.30
Company Info First State Bank & Trust
Williston, ND
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FDIC Number 14801
Phone Number (701) 577-2113
Website www.fsbtnd.bank
Asset Quality First State Bank & Trust
Williston, ND
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1-Year Asset Growth 0.00%
5-Year Asset Growth 2.55%
5-Year Charge-Offs to Average Loans 0.45%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet First State Bank & Trust
Williston, ND
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Total Assets 535.83M
Total Deposits 461.50M
Capital and Reserves First State Bank & Trust
Williston, ND
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Capital 73.01M
Leverage Ratio 15.19
Loan Loss Reserves to Loans 1.49%
Risk-Based Capital Ratio 28.82
Liquidity First State Bank & Trust
Williston, ND
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Hot Money Ratio 18.20%
Liquidity Ratio 35.20%
Profitability First State Bank & Trust
Williston, ND
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5-Year Return on Average Assets 1.32%
Net Income 7.99M
Net Interest Spread 3.11%
Operating Profit to Average Assets 1.45%
Overhead Efficiency Ratio 57.12%
Return on Assets 1.45%
Return on Equity 12.09%