Bank Comparison
American State Bank & Trust Company of Williston vs Midamerica National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American State Bank & Trust Company of Williston | Midamerica National Bank |
|---|---|---|
| CET1 Ratio | 22.11% | — |
| Tier 1 Capital Ratio | 22.11% | — |
| Total Capital Ratio | 23.37% | — |
| Tier 1 Leverage Ratio | 12.43% | 9.90% |
| Equity / Assets | 9.08% | 10.06% |
Profitability
| Metric | American State Bank & Trust Company of Williston | Midamerica National Bank |
|---|---|---|
| Return on Assets (ROA) | 2.38% | 0.86% |
| Return on Equity (ROE) | 26.61% | 8.52% |
| Net Interest Margin (NIM) | 3.26% | 3.91% |
| Yield on Earning Assets | 4.37% | 5.15% |
| Cost of Funds | 1.22% | 1.35% |
Asset quality
| Metric | American State Bank & Trust Company of Williston | Midamerica National Bank |
|---|---|---|
| Texas Ratio | 8.22% | 48.10% |
| Non-Performing Loan Ratio | 1.17% | 6.84% |
| Non-Performing Asset Ratio | 0.61% | 4.82% |
| Net Charge-Off Ratio | 0.07% | 0.01% |
| ACL / Loans | 1.79% | 1.68% |
Balance sheet
| Metric | American State Bank & Trust Company of Williston | Midamerica National Bank |
|---|---|---|
| Total Assets | $660,500K | $662,189K |
| Total Deposits | $584,333K | $590,726K |
| Total Loans | $291,536K | $444,610K |
| Total Equity | $59,997K | $66,597K |
| Net Income (quarter) | $4,000K | $1,415K |
Liquidity & funding
| Metric | American State Bank & Trust Company of Williston | Midamerica National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 49.89% | 75.27% |
| Core Deposit Ratio | 91.57% | 95.15% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American State Bank & Trust Company of Williston | Midamerica National Bank |
|---|---|---|
| Headquarters City | WILLISTON | CANTON |
| Headquarters State | ND | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 13838 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 81 | 123 |
| Established | Dec. 1, 1936, midnight | Nov. 22, 1933, 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.
View full American State Bank & Trust Company of Williston profile | View full Midamerica National Bank profile | Browse all bank comparisons