American State Bank & Trust Company of Williston

Williston, ND

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

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	5.50
Capitalization Index	10.00
Liquidity Index	4.20
Profitability Index	8.40
Stability Index	7.70

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	6.01%
5-Year Asset Growth	0.29%
5-Year Charge-Offs to Average Loans	0.05%
Charge-Offs to Average Loans	0.09%
Non-Performing Assets to Assets	1.07%
Non-Performing Loans to Capital	10.30%
Non-Performing Loans to Loans	2.35%

Balance Sheet	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
Total Assets	637.19M
Total Deposits	568.93M

Capital and Reserves	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
Capital	47.47M
Leverage Ratio	11.81
Loan Loss Reserves to Loans	1.98%
Risk-Based Capital Ratio	21.02

Liquidity	American State Bank & Trust Company of Williston Williston, ND	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	11.99%
Liquidity Ratio	41.75%

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	2.04%
Net Income	7.23M
Net Interest Spread	3.02%
Operating Profit to Average Assets	2.18%
Overhead Efficiency Ratio	46.57%
Return on Assets	2.18%
Return on Equity	29.65%