AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON

WILLISTON, ND | Medium | Est. Dec. 1, 1936, midnight | FDIC #15444 | RSSD #244251 | FDIC
Latest Report: 2025-12-31

AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON is amn medium FDIC-insured commercial bank headquartered in WILLISTON, ND, established in Dec. 1, 1936, midnight. As of 2025-12-31, the bank reported total assets of $648M and total deposits of $568M. Profitability stands at 2.89% ROA and 32.11% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 21.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.15% and a Texas Ratio of 6.11%. FDIC Certificate #15444.

Assets

$648M

Deposits

$568M

Loans

$297M

Equity

$60M

Profitability

Return on Assets (ROA) 2.89%
Return on Equity (ROE) 32.11%
Net Interest Margin (NIM) 3.43%
Yield on Assets 4.74%
Cost of Funds 1.33%

Asset Quality

NPL Ratio 1.15%
Net Charge-Off Ratio 0.37%
Texas Ratio 6.11%
NPA Ratio 0.62%
ACL / Loans 1.78%

Capital & Liquidity

CET1 Ratio 21.99%
Tier 1 Capital 21.99%
Total Capital Ratio 23.24%
Leverage Ratio 12.51%
Loan-to-Deposit 52.25%

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