American State Bank & Trust Company of Williston: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American State Bank & Trust Company of Williston of Williston, ND against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.72% | 1.34% | +1.38% | 96th top |
| ROAE | 31.62% | 12.05% | +19.57% | 98th top |
| Net Interest Margin | 3.28% | 3.90% | -0.62% | 19th bottom |
| Efficiency Ratio | 43.59% | 63.16% | -19.57% | 91st top |
| PPNR / Avg Assets | 2.61% | 1.64% | +0.97% | 91st top |
| Yield on Earning Assets | 4.39% | 5.65% | -1.26% | 7th bottom |
| Cost of Funds | 1.21% | 1.85% | -0.64% | 84th top |
| Net Interest Spread | 2.75% | 3.35% | -0.60% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.92% | 0.92% | +0.00% | 30th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.43% | 0.67% | -0.24% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 35th below |
| ACL / Total Loans | 1.67% | 1.28% | +0.39% | 86th top |
| ACL / NPLs (Coverage) | 182.84% | 1645.76% | -1462.92% | 45th below |
| Texas Ratio | 10.39% | 7.15% | +3.24% | 21st bottom |
| Provision / NCO | -277.78% | 1190.09% | -1467.87% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.81% | 20.83% | -1.02% | 76th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.81% | 20.86% | -1.05% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 21.06% | 21.94% | -0.88% | 77th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.06% | 12.46% | -0.40% | 66th above |
| Equity / Assets | 8.52% | 11.67% | -3.15% | 20th bottom |
| TCE / Tangible Assets | 8.52% | 11.40% | -2.88% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.87% | 78.65% | -25.78% | 90th top |
| Core Deposit Ratio | 92.30% | 87.09% | +5.21% | 69th above |
| Wholesale Funding Ratio | 2.38% | 5.11% | -2.73% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.99% | 6.48% | -5.49% | 25th below |
| Loan Growth (Y/Y) | -4.56% | 7.64% | -12.20% | 8th bottom |
| Deposit Growth (Y/Y) | 0.03% | 6.03% | -6.00% | 23rd bottom |
See American State Bank & Trust Company of Williston's peers by name
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Unlock American State Bank & Trust Company of Williston, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American State Bank & Trust Company of Williston profile, how to read a UBPR, or how this data updates.