First State Bank & Trust: Financial Reports & UBPR Data
BankRegReports is independent of First State Bank & Trust and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First State Bank & Trust carries far more capital than most banks of its size. Its balance sheet stood at $543 million at June 30, 2026, up 1.4% from a year earlier; it is based in Williston, North Dakota. It holds common equity equal to 28.50% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $2.6 million, 38% above the same quarter a year earlier. Over the same year, loans grew 8.4% and deposits shrank 0.5%. Its margin is thin by comparison: it keeps 3.41 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First State Bank & Trust reported a CET1 capital ratio of 28.50%, a return on assets of 1.91%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 22 4th St E, Williston, ND 58801
- County
- Williams
- Metro Area
- Williston, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 1, 1926
- Former names
- First National Bank & Trust Co. of Williston (1973-2020); First National Bank in Williston (1940-1973)
- Offices
- 4 domestic
- Employees (FTE)
- 65
- Domestic deposits
- $466.0M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $67K
- Average total assets
- $552.0M
- Average total loans
- $211.3M
- Average interest-bearing deposits
- $365.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 2, 1934
- FDIC Cert
- 14801
- Fed RSSD
- 248455
- Website
- www.fsbtnd.bank →
- Parent Holding Company
- JORGENSON WILLISTON HOLDING COMPANY (RSSD 4237998)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First State Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First State Bank & Trust, freeFirst State Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First State Bank & Trust: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.50% | 1.91% | 0.00% | 0.00% | 3.41% |
| Q1 2026 | 28.86% | 1.57% | 0.00% | 0.00% | 3.27% |
| Q4 2025 | 27.68% | 1.57% | 0.00% | 0.00% | 3.28% |
| Q3 2025 | 28.40% | 1.64% | 0.00% | 0.00% | 3.23% |
| Q2 2025 | 28.21% | 1.37% | 0.12% | 0.37% | 3.07% |
| Q1 2025 | 28.88% | 1.22% | 0.21% | 0.61% | 2.86% |
| Q4 2024 | 28.53% | 1.33% | 0.13% | 0.44% | 3.00% |
| Q3 2024 | 28.28% | 1.34% | 0.81% | 2.43% | 2.70% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank & Trust (main office) | Williston , ND | 58801 | $282.2M |
| Crosby Branch | Crosby , ND | 58730 | $107.3M |
| Ray Branch | Ray , ND | 58849 | $76.5M |
| North Branch | Williston , ND | 58801 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 14, 1990 | Structure Change | Acquired First National Bank of Crosby Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 13, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 22, 1988 | Structure Change | Acquired Williston Basin State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 21, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 1987 | Structure Change | Acquired Citizens State Bank of Ray Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 15, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for First State Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 20, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in ND, rank 20 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.1M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows First State Bank & Trust’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare First State Bank & Trust with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about First State Bank & Trust
What are First State Bank & Trust's total assets?
As of the Q2 2026 filing, First State Bank & Trust reported total assets of $542.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank & Trust headquartered?
First State Bank & Trust is headquartered in Williston, ND, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First State Bank & Trust founded?
First State Bank & Trust was established in 1926, per the FDIC institution directory.
Is First State Bank & Trust FDIC-insured?
Yes. First State Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #14801). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank & Trust?
First State Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First State Bank & Trust's CET1 capital ratio?
First State Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 28.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank & Trust operate?
First State Bank & Trust operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank & Trust's Texas Ratio?
First State Bank & Trust's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First State Bank & Trust previously called?
The charter now named First State Bank & Trust has also operated as First National Bank & Trust Co. of Williston (1973-2020), First National Bank in Williston (1940-1973), per FDIC structure-change records.
Go deeper on First State Bank & Trust.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock First State Bank & Trust, freeFree account