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American State Bank & Trust Company of Williston

Williston, ND · Cert 15444 · American STB Holding Co. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American State Bank & Trust Company of Williston

Williston, ND · Cert 15444 · American STB Holding Co. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$643.5MAssets
$300.9MLoans
$569.1MDeposits
$54.8MEquity
Loan mix
63%RE $160.9M29%C&I $73.2M8%Consumer $19.4MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $416.1M27%Noninterest $153.1MQ2 2025Q2 2026

NIM

3.88%Q2 ’244.05%Q2 ’254.18%Q2 ’26+13%+10%

Non-interest income vs. expense

2.02%Q2 ’241.99%Q2 ’252.07%Q2 ’26+23%+10%

Executive Summary

  • Earnings: ROA of 2.06%, up 28 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 2.07% of loans (-71 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.06%, up 24 bps from a year ago.
  • Funding: loans stand at 52.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.06%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+27 bps YoY

Efficiency Ratio (YTD, annualized)

45.21%-136 bps YoY

Tier 1 Leverage Ratio

12.06%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.87%1.97%1.92%2.06%+28 bps
Return on Equity23.56%23.79%24.21%20.91%22.97%-60 bps
Net Interest Margin2.83%2.89%2.90%3.06%3.10%+27 bps
Efficiency Ratio46.57%45.80%44.67%46.19%45.21%-136 bps
Non-Interest Burden0.54%0.52%0.45%0.69%0.60%+5 bps
Growth
Asset Growth (YoY)6.01%2.66%2.96%2.23%0.99%-502 bps
Loan Growth (YoY)3.81%-1.77%-3.21%-5.85%-4.56%-837 bps
Deposit Growth (YoY)5.28%2.00%0.77%1.68%0.03%-525 bps
Asset Quality
Nonperforming Loans / Loans2.78%1.29%1.35%1.64%2.07%-71 bps
Net Charge-Offs / Loans0.09%0.49%0.37%0.07%0.04%-5 bps
Allowance / Loans1.98%1.77%1.78%1.79%1.67%-31 bps
Allowance Coverage of NPLs0.7x1.4x1.3x1.1x0.8x+0.1x
Capital
Tier 1 Leverage Ratio11.81%11.98%12.51%12.43%12.06%+24 bps
Total Risk-Based Capital21.02%21.91%23.24%23.37%21.06%+3 bps
Equity / Assets7.45%8.65%9.31%9.08%8.52%+107 bps
Liquidity & Funding
Loans / Deposits55.42%53.76%52.25%49.89%52.87%-255 bps
Liquid Assets / Assets0.17%0.40%0.14%0.15%0.08%-9 bps
CRE / Total Capitaln/a127.27%116.97%114.50%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American State Bank & Trust Company of Williston

Williston, ND · Cert 15444 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · American STB Holding Co. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$643.5MAssets
$300.9MLoans
$569.1MDeposits
$54.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 98% of banks under $1B in assets operating in a single state (rank 16 of 755).
  • Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets operating in a single state (rank 670 of 751).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.08%

Rank 39 of 755

Net Interest Margin

3.10%

Rank 586 of 755

Efficiency Ratio

45.21%

Rank 60 of 755

Equity / Assets

8.52%

Rank 611 of 755

Non-interest income vs. expense

$9.8M$13.8MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state
Bank 45.21%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.08%0.72%1.06%1.45%Beats 95%39 / 755
Return on Equity24.45%6.66%10.44%13.61%Beats 98%16 / 755
Net Interest Margin3.10%3.15%3.68%4.17%Beats 22%586 / 755
Efficiency Ratio45.21%55.75%64.78%75.61%Beats 92%60 / 755
Asset Quality
Nonperforming Loans / Loans2.07%0.09%0.42%1.05%Beats 11%670 / 751
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 37%476 / 751
Capital
Tier 1 Capital Ratio19.81%11.56%13.81%17.74%Beats 82%136 / 755
Total Risk-Based Capital Ratio21.06%11.72%14.46%18.53%Beats 83%131 / 755
Equity / Assets8.52%8.93%10.56%13.13%Beats 19%611 / 755
Liquidity & Funding
Loans / Deposits52.87%62.43%78.62%91.00%14th pctl647 / 755
Loans / Assets46.76%54.70%67.27%76.55%15th pctl640 / 755
Brokered Deposits / Depositsn/aNot reported for this institution