American State Bank & Trust Company of Williston
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Data as of · sourced from FFIEC call reports. How we update
American State Bank & Trust Company of Williston is an FDIC-insured commercial bank headquartered in Williston, ND, established in 1936 (FDIC certificate 15444), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $643.5M, up 1.0% from Q2 2025, the 18th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 19.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15444
- Headquarters
- Williston, ND
- Established
- 1936
- Total assets, Q2 2026
- $643.5M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 19.81%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091300515
- Latest call report
- Q2 2026, FFIEC 051 · American State Bank & Trust Company of Williston call report
- Holding company
- AMERICAN STATE BANK HOLDING COMPANY, INC.
- Asset rank in state
- 18th of 60 in North Dakota
American State Bank & Trust Company of Williston is one of the more profitable banks of its size. Based in Williston, North Dakota, it had $643 million in assets at June 30, 2026. It earns about $2.72 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $26 million equal 32% of Tier 1 capital, down from 40% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.07% of loans, down from 2.59% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.4% of the capital and reserves that would absorb them, 3.9 times the median of 2.6% for banks its size.
As of June 30, 2026, American State Bank & Trust Company of Williston reported a CET1 capital ratio of 19.81%, a return on assets of 2.72%, a nonperforming-loan ratio of 2.07% and a Texas ratio of 10.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American State Bank & Trust Company of Williston is the 18th largest of the 60 banks headquartered in North Dakota. From Q1 2026 to Q2 2026, its total assets fell 2.6% to $643.5M, loans rose 3.2% and deposits fell 2.6%. Commercial and industrial loans made up 27.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.6%. The FDIC Summary of Deposits lists 2 offices for it, in Williston, ND. By the capital ratios in its Q2 2026 call report, American State Bank & Trust Company of Williston meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 223 Main St, Williston, ND 58801
- County
- Williams
- Metro Area
- Williston, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 1, 1936
- Former names
- American State Bank of Williston (1971-1979)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $569.1M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $63K
- Average total assets
- $668.0M
- Average total loans
- $292.9M
- Average interest-bearing deposits
- $419.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 18, 1936
- FDIC Cert
- 15444
- Fed RSSD
- 244251
- Website
- www.asbt.bank →
- Parent Holding Company
- AMERICAN STATE BANK HOLDING COMPANY, INC. (RSSD 2632571)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American State Bank & Trust Company of Williston's total assets ran between $601.1M (Q2 2024) and $660.5M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$643.5M total assets against $637.2M; $588.7M total liabilities against $589.7M.
$295.9M net loans and leases against $309.0M; $569.1M total deposits against $568.9M.
$318.2M securities against $281.5M; $8.6M cash and balances due against $26.1M.
$7.0M total interest income against $6.8M; $1.8M total interest expense against $2.0M.
$5.2M net interest income against $4.8M.
$2.6M total noninterest income against $2.5M; $3.5M total noninterest expense against $3.3M.
-$175K provision for credit losses against $100K.
$4.5M net income against $3.8M.
2.72% return on assets against 2.30%; 3.28% net interest margin against 3.06%.
19.81% CET1 capital ratio against 19.77%; 12.06% tier 1 leverage ratio against 11.81%.
Inside the full American State Bank & Trust Company of Williston terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican State Bank & Trust Company of Williston rankings
Its closest position to the top of a national ranking is 113 of 3,611, for ROA; its furthest is 1,463 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.03% (Q4 2024) to 2.76% (Q4 2025) and its net interest margin ran from 2.71% (Q4 2024) to 3.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.81% | 2.72% | 2.07% | 10.39% | 3.28% |
| Q1 2026 | 22.11% | 2.38% | 1.64% | 7.30% | 3.26% |
| Q4 2025 | 21.99% | 2.76% | 1.35% | 6.09% | 3.22% |
| Q3 2025 | 20.66% | 2.48% | 1.29% | 8.44% | 3.15% |
| Q2 2025 | 19.77% | 2.30% | 2.78% | 15.21% | 3.06% |
| Q1 2025 | 20.75% | 2.06% | 2.06% | 10.11% | 2.99% |
| Q4 2024 | 20.92% | 2.03% | 2.09% | 10.85% | 2.71% |
| Q3 2024 | 20.79% | 2.12% | 1.84% | 8.63% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American State Bank & Trust Company of Williston (main office) | Williston , ND | 58801 | $569.1M |
| North Branch | Williston , ND | 58801 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 27, 1989 | Structure Change | Acquired Williston Realty Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 1936 | Structure Change | Acquired First International Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in ND, rank 19 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $269K approved, $134K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American State Bank & Trust Company of Williston
What are American State Bank & Trust Company of Williston's total assets?
As of the Q2 2026 filing, American State Bank & Trust Company of Williston reported total assets of $643.5 million in its FFIEC call report.
Where is American State Bank & Trust Company of Williston headquartered?
It is headquartered in Williston, ND, United States.
When was American State Bank & Trust Company of Williston founded?
It was established in 1936, per the FDIC institution directory.
Is American State Bank & Trust Company of Williston FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American State Bank & Trust Company of Williston?
American State Bank & Trust Company of Williston's primary federal regulator is the FDIC.
What is American State Bank & Trust Company of Williston's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American State Bank & Trust Company of Williston operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American State Bank & Trust Company of Williston's Texas Ratio?
Its Texas Ratio is 10.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was American State Bank & Trust Company of Williston previously called?
The charter now named American State Bank & Trust Company of Williston has also operated as American State Bank of Williston (1971-1979), per FDIC structure-change records.
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