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
Unfavorable gap of $4.0M · efficiency ratio beats 92% 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 | 2.08% | 0.72% | 1.06% | 1.45% | Beats 95% | 39 / 755 | |
| Return on Equity | 24.45% | 6.66% | 10.44% | 13.61% | Beats 98% | 16 / 755 | |
| Net Interest Margin | 3.10% | 3.15% | 3.68% | 4.17% | Beats 22% | 586 / 755 | |
| Efficiency Ratio | 45.21% | 55.75% | 64.78% | 75.61% | Beats 92% | 60 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.07% | 0.09% | 0.42% | 1.05% | Beats 11% | 670 / 751 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 37% | 476 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 19.81% | 11.56% | 13.81% | 17.74% | Beats 82% | 136 / 755 | |
| Total Risk-Based Capital Ratio | 21.06% | 11.72% | 14.46% | 18.53% | Beats 83% | 131 / 755 | |
| Equity / Assets | 8.52% | 8.93% | 10.56% | 13.13% | Beats 19% | 611 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 52.87% | 62.43% | 78.62% | 91.00% | 14th pctl | 647 / 755 | |
| Loans / Assets | 46.76% | 54.70% | 67.27% | 76.55% | 15th pctl | 640 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |