First State Bank & Trust
Williston, ND · Cert 14801 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Jorgenson Williston Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
$542.6MAssets
$211.7MLoans
$466.0MDeposits
$75.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of banks under $1B in assets operating in a single state (rank 44 of 746).
- Widest gap: net interest margin trails 84% of banks under $1B in assets operating in a single state (rank 623 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.38%
Rank 220 of 746
Net Interest Margin
2.96%
Rank 623 of 746
Efficiency Ratio
53.41%
Rank 158 of 746
Equity / Assets
13.85%
Rank 148 of 746
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 79% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.72% | 1.06% | 1.45% | Beats 71% | 220 / 746 | |
| Return on Equity | 9.94% | 6.74% | 10.51% | 13.63% | Beats 46% | 403 / 746 | |
| Net Interest Margin | 2.96% | 3.17% | 3.68% | 4.16% | Beats 16% | 623 / 746 | |
| Efficiency Ratio | 53.41% | 55.74% | 64.58% | 75.47% | Beats 79% | 158 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 85% | 110 / 743 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 33% | 502 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 28.50% | 11.55% | 13.75% | 17.60% | Beats 94% | 44 / 746 | |
| Total Risk-Based Capital Ratio | 29.63% | 11.71% | 14.33% | 18.43% | Beats 94% | 43 / 746 | |
| Equity / Assets | 13.85% | 8.90% | 10.51% | 13.06% | Beats 80% | 148 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 45.43% | 61.31% | 78.27% | 90.78% | 9th pctl | 682 / 746 | |
| Loans / Assets | 39.02% | 53.60% | 66.97% | 76.08% | 8th pctl | 686 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |