First State Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank & Trust of Williston, ND against its peer group of 2757 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 | 1.91% | 1.25% | +0.66% | 82nd top |
| ROAE | 14.12% | 12.22% | +1.90% | 60th above |
| Net Interest Margin | 3.41% | 3.95% | -0.54% | 23rd bottom |
| Efficiency Ratio | 47.58% | 63.71% | -16.13% | 85th top |
| PPNR / Avg Assets | 1.89% | — | — | 67th above |
| Yield on Earning Assets | 4.61% | 5.67% | -1.06% | 11th bottom |
| Cost of Funds | 1.37% | 1.87% | -0.50% | 77th top |
| Net Interest Spread | 2.88% | — | — | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 88th top |
| NPA / Total Assets | 0.00% | — | — | 89th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 44th below |
| ACL / Total Loans | 1.53% | — | — | 81st top |
| ACL / NPLs (Coverage) | 161750.00% | — | — | — |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 89th top |
| Provision / NCO | 2500.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 28.50% | 17.18% | +11.32% | 91st top |
| Tier 1 Ratio | 28.50% | 17.21% | +11.29% | 91st top |
| Total Capital Ratio | 29.63% | — | — | 91st top |
| Leverage Ratio | 15.38% | 11.75% | +3.63% | 88th top |
| Equity / Assets | 13.85% | 10.98% | +2.87% | 83rd top |
| TCE / Tangible Assets | 13.52% | — | — | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.43% | 80.44% | -35.01% | 94th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.50% | 86.95% | +0.55% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.42% | — | — | 28th below |
| Loan Growth (Y/Y) | 8.44% | — | — | 67th above |
| Deposit Growth (Y/Y) | -0.52% | — | — | 20th bottom |
See First State Bank & Trust's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank & Trust, 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 First State Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First State Bank & Trust peer analysis.