American State Bank & Trust Company of Williston: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Total risk-based capital ratio dropped 2.31 percentage points in Q2 2026, from 23.37% to 21.06%. It was the largest change from Q1 2026 among the key lines here. Among 25 North Dakota banks, American State Bank & Trust Company of Williston sits 3rd from the top on CET1 ratio, 19.81% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. American State Bank & Trust Company of Williston sits 4.73 points higher, at 19.81% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.81% |
| Tier 1 risk-based capital ratio | 19.81% |
| Total risk-based capital ratio | 21.06% |
| Tier 1 leverage ratio | 12.06% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $80.5M |
| Tier 1 capital | $80.5M |
| Total risk-based capital | $85.6M |
| Total equity capital | $54.8M |
| Risk-weighted assets | $406.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
| Equity capital to average assets | 8.21% |
| Internal capital growth rate | -21.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $4.5M |
| Retained earnings | $73.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 21.33% | 21.33% | 22.59% | 12.03% | $374.2M |
| Q4 2023 | 22.29% | 22.29% | 23.55% | 12.60% | $373.0M |
| Q1 2024 | 21.72% | 21.72% | 22.97% | 12.68% | $381.5M |
| Q2 2024 | 20.93% | 20.93% | 22.19% | 12.22% | $379.2M |
| Q3 2024 | 20.79% | 20.79% | 22.04% | 12.33% | $381.4M |
| Q4 2024 | 20.92% | 20.92% | 22.18% | 12.60% | $394.8M |
| Q1 2025 | 20.75% | 20.75% | 22.01% | 12.43% | $396.4M |
| Q2 2025 | 19.77% | 19.77% | 21.02% | 11.81% | $397.8M |
| Q3 2025 | 20.66% | 20.66% | 21.91% | 11.98% | $382.3M |
| Q4 2025 | 21.99% | 21.99% | 23.24% | 12.51% | $380.2M |
| Q1 2026 | 22.11% | 22.11% | 23.37% | 12.43% | $378.6M |
| Q2 2026 | 19.81% | 19.81% | 21.06% | 12.06% | $406.6M |
American State Bank & Trust Company of Williston regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American State Bank & Trust Company of Williston, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American State Bank & Trust Company of Williston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15444) · FFIEC NIC profile (RSSD 244251)