American State Bank & Trust Company of Williston

Williston, ND

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
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Total
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Capital

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Weiss Ratings	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	6.50
Capitalization Index	10.00
Liquidity Index	4.40
Profitability Index	9.20
Stability Index	7.90

Company Info	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
FDIC Number	15444
Phone Number	(701) 774-4100
Website	www.asbt.com

Asset Quality	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	0.99%
5-Year Asset Growth	0.89%
5-Year Charge-Offs to Average Loans	0.11%
Charge-Offs to Average Loans	0.04%
Non-Performing Assets to Assets	0.43%
Non-Performing Loans to Capital	7.27%
Non-Performing Loans to Loans	0.92%

Balance Sheet	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
Total Assets	643.47M
Total Deposits	569.13M

Capital and Reserves	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
Capital	54.82M
Leverage Ratio	12.06
Loan Loss Reserves to Loans	1.67%
Risk-Based Capital Ratio	21.06

Liquidity	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	13.07%
Liquidity Ratio	42.25%

Profitability	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	2.09%
Net Income	8.54M
Net Interest Spread	3.27%
Operating Profit to Average Assets	2.55%
Overhead Efficiency Ratio	45.21%
Return on Assets	2.55%
Return on Equity	29.05%