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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

$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