First State Bank & Trust: 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.
Securities to assets climbed 1.05 percentage points in Q2 2026, from 51.78% to 52.83%. It was the largest change from Q1 2026 among the key lines here. First State Bank & Trust ranks 11th of 60 North Dakota banks on return on assets, in the upper half at 1.91% (Q2 2026). First State Bank & Trust's return on assets of 1.91% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.65 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.50% |
| Tier 1 risk-based capital ratio | 28.50% |
| Total risk-based capital ratio | 29.63% |
| Tier 1 leverage ratio | 15.38% |
| Equity capital to assets | 13.85% |
| Tangible equity to tangible assets | 13.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 161750.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 14.12% |
| Net interest margin | 3.41% |
| Efficiency ratio | 47.58% |
| Yield on earning assets | 4.61% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.43% |
| Core deposits to total deposits | 87.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.89% |
| Securities to assets | 52.83% |
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 | 28.58% | 28.58% | 29.77% | 14.34% | 1.14% |
| Q4 2023 | 27.13% | 27.13% | 28.26% | 14.18% | 1.02% |
| Q1 2024 | 28.64% | 28.64% | 29.80% | 14.36% | 1.03% |
| Q2 2024 | 28.52% | 28.52% | 29.67% | 14.40% | 1.03% |
| Q3 2024 | 28.28% | 28.28% | 29.41% | 14.32% | 1.34% |
| Q4 2024 | 28.53% | 28.53% | 29.64% | 14.20% | 1.33% |
| Q1 2025 | 28.88% | 28.88% | 30.01% | 14.42% | 1.22% |
| Q2 2025 | 28.21% | 28.21% | 29.34% | 14.33% | 1.37% |
| Q3 2025 | 28.40% | 28.40% | 29.56% | 14.82% | 1.64% |
| Q4 2025 | 27.68% | 27.68% | 28.82% | 15.19% | 1.57% |
| Q1 2026 | 28.86% | 28.86% | 29.99% | 15.54% | 1.57% |
| Q2 2026 | 28.50% | 28.50% | 29.63% | 15.38% | 1.91% |
First State Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank & Trust, 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 First State Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14801) · FFIEC NIC profile (RSSD 248455)