FIRST STATE BANK & TRUST

WILLISTON, ND | Medium | Est. Feb. 1, 1926, midnight | FDIC #14801 | RSSD #248455 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in WILLISTON, ND, established in Feb. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $536M and total deposits of $461M. Profitability stands at 1.59% ROA and 11.76% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 27.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14801.

Assets

$536M

Deposits

$461M

Loans

$212M

Equity

$73M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 11.76%
Net Interest Margin (NIM) 3.21%
Yield on Assets 4.57%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.49%

Capital & Liquidity

CET1 Ratio 27.69%
Tier 1 Capital 27.69%
Total Capital Ratio 28.82%
Leverage Ratio 15.19%
Loan-to-Deposit 45.98%

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