American State Bank & Trust Company of Williston: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 30.00 percentage points higher than in Q1 2026, at 182.84%. Among 60 North Dakota banks, American State Bank & Trust Company of Williston sits 2nd from the top on return on assets, 2.72% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, American State Bank & Trust Company of Williston reported 2.72% on return on assets in Q2 2026, 1.46 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.81% |
| Tier 1 risk-based capital ratio | 19.81% |
| Total risk-based capital ratio | 21.06% |
| Tier 1 leverage ratio | 12.06% |
| Equity capital to assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.92% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 10.39% |
| Allowance for credit losses to loans | 1.67% |
| Reserve coverage of non-performing loans | 182.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.72% |
| Return on equity | 31.62% |
| Net interest margin | 3.28% |
| Efficiency ratio | 43.59% |
| Yield on earning assets | 4.39% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.87% |
| Core deposits to total deposits | 92.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.45% |
| Securities to assets | 49.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.33% | 21.33% | 22.59% | 12.03% | 1.85% |
| Q4 2023 | 22.29% | 22.29% | 23.55% | 12.60% | 2.03% |
| Q1 2024 | 21.72% | 21.72% | 22.97% | 12.68% | 1.95% |
| Q2 2024 | 20.93% | 20.93% | 22.19% | 12.22% | 2.15% |
| Q3 2024 | 20.79% | 20.79% | 22.04% | 12.33% | 2.12% |
| Q4 2024 | 20.92% | 20.92% | 22.18% | 12.60% | 2.03% |
| Q1 2025 | 20.75% | 20.75% | 22.01% | 12.43% | 2.06% |
| Q2 2025 | 19.77% | 19.77% | 21.02% | 11.81% | 2.30% |
| Q3 2025 | 20.66% | 20.66% | 21.91% | 11.98% | 2.48% |
| Q4 2025 | 21.99% | 21.99% | 23.24% | 12.51% | 2.76% |
| Q1 2026 | 22.11% | 22.11% | 23.37% | 12.43% | 2.38% |
| Q2 2026 | 19.81% | 19.81% | 21.06% | 12.06% | 2.72% |
American State Bank & Trust Company of Williston vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American State Bank & Trust Company of Williston, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)