BlastPoint's Banking Scorecard

First State Bank & Trust

$100M-$1B Specialty: Commercial ND FDIC cert 14801

Designations: ✓ CDFI-certified

Williston, ND

4 branches across ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

First State Bank & Trust has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.31% above tier average
+ Efficiency Ratio 8.78% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 16.6% in tier
- Liquidity Overhang: Bottom 44.8% in tier
- Net Interest Margin 0.87% below tier average

Get updates when First State Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$539.7M -2.1% YoY +0.7% QoQ	+$153.6M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$207.0M +12.2% YoY -1.0% QoQ	-$48.7M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$464.4M -4.7% YoY +0.6% QoQ	+$136.5M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.58% +25.6% YoY +6.5% QoQ	+0.31%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	3.06% +13.1% YoY +3.7% QoQ	-0.87%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	Bottom 13.4% in tier
Efficiency Ratio ?	56.51% -6.3% YoY -1.1% QoQ	-8.78%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	44.58% +17.7% YoY -1.6% QoQ	-32.06%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	Top 6.0% in tier
Non-Interest-Bearing Deposit Share ?	21.15% -4.2% YoY -6.5% QoQ	-0.87%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	28.86% -0.1% YoY +4.2% QoQ	+13.03%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Top 4.4% in tier
Non-Interest Income / Assets ?	0.20% +13.2% YoY -74.3% QoQ	-0.08%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	Top 13.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline

#85 of 506 • Bottom 16.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#332 of 739 • Bottom 44.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 28.86%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 44.58%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

117

Tier 1 Capital Ratio

capital

Value: 28.86%

Peer Median: 15.83%

#117 of 2664 Top 4.4% in $100M-$1B

162

Loan-to-Deposit Ratio

liquidity

Value: 44.58%

Peer Median: 76.64%

#162 of 2664 Top 6.0% in $100M-$1B

364

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#364 of 2664 Top 13.6% in $100M-$1B

628

Total Deposits

size

Value: $464.44M

Peer Median: $327.97M

#628 of 2664 Top 23.5% in $100M-$1B

650

Total Assets

size

Value: $539.70M

Peer Median: $386.08M

#650 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (1 metrics)

2308

Net Interest Margin

profitability

Value: 3.06%

Peer Median: 3.93%

#2308 of 2664 Bottom 13.4% in $100M-$1B