American State Bank & Trust Company of Williston: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.62 percentage points lower than in Q1 2026, at 53.30%. American State Bank & Trust Company of Williston ranks 48th of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 52.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American State Bank & Trust Company of Williston sits 27.96 points lower, at 52.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $300.9M |
| Net loans and leases | $295.9M |
| Loans held for sale | $0 |
| Loans to total assets | 46.76% |
| Loan-to-deposit ratio | 52.87% |
| Net loans to equity capital | 5.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.33% |
| Multifamily (5+ residential) | 4.50% |
| Commercial and industrial | 27.16% |
| Consumer | 6.12% |
| Credit cards | 0.32% |
| Farm | 10.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.30% |
| Construction concentration (Tier 1 capital + allowance) | 3.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.48% |
| Interest income on loans | $4.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $294.3M | $551.6M | 28.78% | 22.20% | 9.10% |
| Q4 2023 | $293.9M | $550.3M | 28.48% | 21.62% | 9.63% |
| Q1 2024 | $297.4M | $559.1M | 27.99% | 22.12% | 9.15% |
| Q2 2024 | $303.7M | $540.4M | 27.57% | 21.98% | 8.77% |
| Q3 2024 | $304.9M | $546.2M | 26.85% | 21.28% | 8.60% |
| Q4 2024 | $306.8M | $564.0M | 26.19% | 22.63% | 8.14% |
| Q1 2025 | $309.7M | $574.7M | 26.54% | 24.92% | 7.64% |
| Q2 2025 | $315.3M | $568.9M | 26.29% | 24.55% | 7.32% |
| Q3 2025 | $299.5M | $557.2M | 26.22% | 22.46% | 7.21% |
| Q4 2025 | $296.9M | $568.3M | 26.56% | 23.31% | 6.81% |
| Q1 2026 | $291.5M | $584.3M | 26.99% | 25.12% | 6.66% |
| Q2 2026 | $300.9M | $569.1M | 25.33% | 27.16% | 6.12% |
American State Bank & Trust Company of Williston loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American State Bank & Trust Company of Williston, freeSource: Call Report Schedule RC-C, 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)