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First State Bank & Trust

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

Designations: ✓ CDFI-certified

Williston, ND

4 branches across ND

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
  • Deposits -0.5% year over year ($466.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.76%.
  • Efficiency ratio 53.41% vs a 64.48% peer average.
  • Loan-to-deposit ratio 44.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 34 in ND
View $100M-$1B leaderboard (ND) →

First State Bank & Trust has 4 strengths but faces 2 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

  • + Profitability Leader: Top 39.6% in tier
  • + Revenue Diversifier: Top 47.7% in tier
  • + Efficiency Ratio 11.07% below tier average
  • + Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 48.2% in tier
  • - Net Interest Margin 0.83% below tier average
Get updates when First State Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $542.6M
+1.4% YoY +0.5% QoQ
+$156.0M $386.6M
+1.2% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $208.5M
+8.4% YoY +0.7% QoQ
-$49.9M $258.3M
+1.7% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $466.0M
-0.5% YoY +0.3% QoQ
+$139.3M $326.7M
+0.7% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 1.76%
+31.7% YoY +11.5% QoQ
+0.44% 1.32%
+10.8% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 3.16%
+11.6% YoY +3.1% QoQ
-0.83% 3.99%
+5.0% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 14.8% in tier
Efficiency Ratio ? 53.41%
-10.0% YoY -5.5% QoQ
-11.07% 64.48%
-3.2% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
76%
Delinquency Rate ? 0.00%
-99.2% YoY
-0.92% 0.92%
+15.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
Top 11.9% in tier
Loan-to-Deposit Ratio ? 44.73%
+9.0% YoY +0.4% QoQ
-33.22% 77.95%
+1.0% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
Top 5.8% in tier
Non-Interest-Bearing Deposit Share ? 21.41%
-3.0% YoY +1.2% QoQ
-0.63% 22.03%
-0.6% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
52%
Nonperforming Asset Ratio ? 0.00%
-99.2% YoY
-0.67% 0.67%
+16.4% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
Top 10.7% in tier
Tier 1 Capital Ratio ? 28.50%
+1.0% YoY -1.2% QoQ
+12.59% 15.91%
+1.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Top 4.7% in tier
Non-Interest Income / Assets ? 0.40%
+8.2% YoY +96.7% QoQ
-0.17% 0.57%
+7.6% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
Top 15.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 21.4%
-0.7pp YoY
+0.3pp QoQ
 -0.7pp 22.1% 21.6% 22.2% 52%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 16.3%
0.0pp YoY
-0.7pp QoQ
 +4.7pp 11.6% 12.9% 12.5% 80%
CRE 49.8%
+3.0pp YoY
-1.5pp QoQ
 +10.2pp 39.5% 29.0% 41.4% 70%
1-4 Family 11.6%
-2.4pp YoY
+0.7pp QoQ
 -21.1pp 32.6% 12.3% 31.3% 13%
Consumer 9.3%
+0.4pp YoY
+0.7pp QoQ
 +5.2pp 4.1% 4.5% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio 28.5%
+0.3pp YoY
-0.4pp QoQ
 +9.7pp 18.8% 15.3% 19.7% 92%
Leverage Ratio 15.4%
+1.0pp YoY
-0.2pp QoQ
 +3.2pp 12.2% 10.7% 12.6% 88%
Total Capital Ratio 29.6%
+0.3pp YoY
-0.4pp QoQ
 +9.7pp 19.9% 16.3% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 65
-6 (-8.5%) YoY
-1 (-1.5%) QoQ
 +6 58 138 482 67%
Assets per Employee ($) $8.3M
+10.8% YoY
+2.1% QoQ
 +$829K $7.5M $8.3M $8.8M 72%
Branch Count 4
0 YoY
0 QoQ
 -1 4 7 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.5% 0.4% n/a
Nonaccrual 0.0%
-0.1pp YoY
 -0.9pp 0.9% 0.7% 1.0% 0%
Allowance Coverage 1617.50x
+13152.9% YoY
 +1593.35x 24.15x 73.79x 20.23x 100%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 12.8%
+1.1pp YoY
+1.3pp QoQ
 +0.7pp 12.2% 16.0% 11.6% 55%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 21%
Net Income ($, YTD) $4.8M
+31.4% YoY
— QoQ
 +$2.2M $2.6M $7.0M $40.4M 86%

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 (2)

Profitability Leader

growth
#263 of 661 • Top 39.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.76%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Revenue Diversifier

growth
#316 of 661 • Top 47.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.40%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.76%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#359 of 742 • Bottom 48.2% 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: 28.50%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 44.73%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (9 metrics)

126
Tier 1 Capital Ratio
capital
Value: 28.50%
Peer Median: 15.91%
#126 of 2643 Top 4.7% in $100M-$1B
155
Loan-to-Deposit Ratio
liquidity
Value: 44.73%
Peer Median: 77.95%
#155 of 2643 Top 5.8% in $100M-$1B
285
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#285 of 2643 Top 10.7% in $100M-$1B
314
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#314 of 2633 Top 11.9% in $100M-$1B
397
Non-Interest Income / Assets
revenue_mix
Value: 0.40%
Peer Median: 0.57%
#397 of 2643 Top 15.0% in $100M-$1B
567
Return on Assets
profitability
Value: 1.76%
Peer Median: 1.32%
#567 of 2643 Top 21.4% in $100M-$1B
621
Total Deposits
size
Value: $466.04M
Peer Median: $326.73M
#621 of 2643 Top 23.5% in $100M-$1B
645
Efficiency Ratio
profitability
Value: 53.41%
Peer Median: 64.48%
#645 of 2643 Top 24.4% in $100M-$1B
650
Total Assets
size
Value: $542.57M
Peer Median: $386.57M
#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (1 metrics)

2254
Net Interest Margin
profitability
Value: 3.16%
Peer Median: 3.99%
#2254 of 2643 Bottom 14.8% in $100M-$1B
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