Bank Comparison
American State Bank & Trust Company of Williston vs Banknorth
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | American State Bank & Trust Company of Williston | Banknorth |
|---|---|---|
| CET1 Ratio | 22.11% | 10.54% |
| Tier 1 Capital Ratio | 22.11% | 10.54% |
| Total Capital Ratio | 23.37% | 11.57% |
| Tier 1 Leverage Ratio | 12.43% | 10.22% |
| Equity / Assets | 9.08% | 11.43% |
Profitability
| Metric | American State Bank & Trust Company of Williston | Banknorth |
|---|---|---|
| Return on Assets (ROA) | 2.38% | 1.75% |
| Return on Equity (ROE) | 26.61% | 15.52% |
| Net Interest Margin (NIM) | 3.26% | 5.00% |
| Yield on Earning Assets | 4.37% | 6.83% |
| Cost of Funds | 1.22% | 1.93% |
Asset quality
| Metric | American State Bank & Trust Company of Williston | Banknorth |
|---|---|---|
| Texas Ratio | 8.22% | 3.45% |
| Non-Performing Loan Ratio | 1.17% | 0.43% |
| Non-Performing Asset Ratio | 0.61% | 0.38% |
| Net Charge-Off Ratio | 0.07% | 0.01% |
| ACL / Loans | 1.79% | 1.04% |
Balance sheet
| Metric | American State Bank & Trust Company of Williston | Banknorth |
|---|---|---|
| Total Assets | $660,500K | $669,239K |
| Total Deposits | $584,333K | $572,144K |
| Total Loans | $291,536K | $592,129K |
| Total Equity | $59,997K | $76,492K |
| Net Income (quarter) | $4,000K | $2,969K |
Liquidity & funding
| Metric | American State Bank & Trust Company of Williston | Banknorth |
|---|---|---|
| Loan-to-Deposit Ratio | 49.89% | 103.49% |
| Core Deposit Ratio | 91.57% | 93.02% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American State Bank & Trust Company of Williston | Banknorth |
|---|---|---|
| Headquarters City | WILLISTON | ARTHUR |
| Headquarters State | ND | ND |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 11 |
| Employees (FTE) | 81 | 97 |
| Established | Dec. 1, 1936, midnight | Jan. 1, 1905, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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