First State Bank & Trust

BankWilliston, North Dakota
www.fsbtnd.bank

Total Assets

$535.8M

Total Deposits

$461.5M

Branches

4

Established

1926

TFS Health Grade

$
C-

72.7 / 100

Average financial health

How we grade

First State Bank & Trust is a bank headquartered in Williston, North Dakota, established in 1926. With $535.8M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (72.7/100).

Capital & Safety

Tier 1 Capital Ratio
15.19%(8%)
Total Capital Ratio
28.82%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.49%(1%)
Return on Equity (ROE)
12.12%(10%)
Net Interest Margin
2.95%
Efficiency Ratio
57.12%(60%)

Lending & Liquidity

Total Loans
$212.2M
Loan-to-Deposit Ratio
45.30%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
0.00%
Deposit Growth (YoY)
-3.26%
Net Income
$8.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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