American State Bank & Trust Company of Williston
Williston, ND · Cert 15444 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 15 of 746).
- Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets operating in a single state (rank 660 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
2.08%
Rank 33 of 746
Net Interest Margin
3.10%
Rank 583 of 746
Efficiency Ratio
45.21%
Rank 55 of 746
Equity / Assets
8.52%
Rank 600 of 746
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 93% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.08% | 0.72% | 1.06% | 1.45% | Beats 96% | 33 / 746 | | |
| Return on Equity | 24.45% | 6.74% | 10.51% | 13.63% | Beats 98% | 15 / 746 | | |
| Net Interest Margin | 3.10% | 3.17% | 3.68% | 4.16% | Beats 22% | 583 / 746 | | |
| Efficiency Ratio | 45.21% | 55.74% | 64.58% | 75.47% | Beats 93% | 55 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.07% | 0.09% | 0.42% | 1.07% | Beats 11% | 660 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 35% | 481 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 19.81% | 11.55% | 13.75% | 17.60% | Beats 83% | 130 / 746 | | |
| Total Risk-Based Capital Ratio | 21.06% | 11.71% | 14.33% | 18.43% | Beats 83% | 126 / 746 | | |
| Equity / Assets | 8.52% | 8.90% | 10.51% | 13.06% | Beats 20% | 600 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.87% | 61.31% | 78.27% | 90.78% | 15th pctl | 634 / 746 | | |
| Loans / Assets | 46.76% | 53.60% | 66.97% | 76.08% | 16th pctl | 626 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |