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American State Bank & Trust Company of Williston

$100M-$1B Specialty: Commercial ND FDIC cert 15444

Williston, ND

2 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 +0.0% year over year ($569.1M on the books).
  • Delinquency rate 2.10%.
  • Return on assets 2.63%.
  • Efficiency ratio 45.21% vs a 64.48% peer average.
  • Loan-to-deposit ratio 51.99% 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) →

American State Bank & Trust Company of Williston has 3 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

  • + Revenue Diversifier: Top 7.3% in tier
  • + Profitability Leader: Top 16.0% in tier
  • + Efficiency Ratio 19.26% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.66% below tier average
  • - Delinquency Rate 1.18% above tier average
Get updates when American State Bank & Trust Company of Williston releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $643.5M
+1.0% YoY -2.6% QoQ
+$256.9M $386.6M
+1.2% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $295.9M
-4.3% YoY +3.3% QoQ
+$37.5M $258.3M
+1.7% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $569.1M
+0.0% YoY -2.6% QoQ
+$242.4M $326.7M
+0.7% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
Top 14.6% in tier
Return on Assets ? 2.63%
+15.7% YoY +7.3% QoQ
+1.30% 1.32%
+10.8% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
Top 3.6% in tier
Net Interest Margin ? 3.33%
+7.3% YoY +0.9% QoQ
-0.66% 3.99%
+5.0% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
21%
Efficiency Ratio ? 45.21%
-2.9% YoY -2.1% QoQ
-19.26% 64.48%
-3.2% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
Top 9.3% in tier
Delinquency Rate ? 2.10%
-25.9% YoY +25.9% QoQ
+1.18% 0.92%
+15.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
Bottom 11.9% in tier
Loan-to-Deposit Ratio ? 51.99%
-4.3% YoY +6.1% QoQ
-25.96% 77.95%
+1.0% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
Top 9.7% in tier
Non-Interest-Bearing Deposit Share ? 26.89%
-4.1% YoY -0.4% QoQ
+4.86% 22.03%
-0.6% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.97%
-29.8% YoY +19.0% QoQ
+0.30% 0.67%
+16.4% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 19.81%
+0.2% YoY -10.4% QoQ
+3.90% 15.91%
+1.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Top 14.3% in tier
Non-Interest Income / Assets ? 0.76%
+0.7% YoY +121.5% QoQ
+0.20% 0.57%
+7.6% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
Top 5.2% 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 26.9%
-1.1pp YoY
-0.1pp QoQ
 +4.7pp 22.1% 21.6% 22.2% 72%
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 27.6%
+2.6pp YoY
+2.0pp QoQ
 +16.1pp 11.6% 12.9% 12.5% 95%
CRE 31.3%
-3.2pp YoY
-2.2pp QoQ
 -8.2pp 39.5% 29.0% 41.4% 37%
1-4 Family 11.7%
+1.9pp YoY
-0.2pp QoQ
 -20.9pp 32.6% 12.3% 31.3% 13%
Consumer 6.2%
-1.2pp YoY
-0.5pp QoQ
 +2.1pp 4.1% 4.5% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio 19.8%
0.0pp YoY
-2.3pp QoQ
 +1.0pp 18.8% 15.3% 19.7% 77%
Leverage Ratio 12.1%
+0.2pp YoY
-0.4pp QoQ
 -0.1pp 12.2% 10.7% 12.6% 66%
Total Capital Ratio 21.1%
0.0pp YoY
-2.3pp QoQ
 +1.1pp 19.9% 16.3% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 84
+6 (+7.7%) YoY
+3 (+3.7%) QoQ
 +25 58 138 482 79%
Assets per Employee ($) $7.7M
-6.2% YoY
-6.1% QoQ
 +$142K $7.5M $8.3M $8.8M 63%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.4pp YoY
+0.7pp QoQ
 +0.8pp 0.3% 0.5% 0.4% 93%
Nonaccrual 0.9%
-1.1pp YoY
-0.3pp QoQ
 0.0pp 0.9% 0.7% 1.0% 70%
Allowance Coverage 0.81x
+13.7% YoY
-25.9% QoQ
 -23.34x 24.15x 73.79x 20.23x 21%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 29.3%
-0.7pp YoY
+2.7pp QoQ
 +17.1pp 12.2% 16.0% 11.6% 98%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 17%
Net Income ($, YTD) $8.5M
+18.1% YoY
— QoQ
 +$6.0M $2.6M $7.0M $40.4M 98%

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)

Revenue Diversifier

growth
#49 of 661 • Top 7.3% 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: 0.76%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.63%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#107 of 661 • Top 16.0% in tier

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

Why this signature
Return on Assets: 2.63%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (7 metrics)

96
Return on Assets
profitability
Value: 2.63%
Peer Median: 1.32%
#96 of 2643 Top 3.6% in $100M-$1B
138
Non-Interest Income / Assets
revenue_mix
Value: 0.76%
Peer Median: 0.57%
#138 of 2643 Top 5.2% in $100M-$1B
246
Efficiency Ratio
profitability
Value: 45.21%
Peer Median: 64.48%
#246 of 2643 Top 9.3% in $100M-$1B
258
Loan-to-Deposit Ratio
liquidity
Value: 51.99%
Peer Median: 77.95%
#258 of 2643 Top 9.7% in $100M-$1B
378
Tier 1 Capital Ratio
capital
Value: 19.81%
Peer Median: 15.91%
#378 of 2643 Top 14.3% in $100M-$1B
387
Total Deposits
size
Value: $569.13M
Peer Median: $326.73M
#387 of 2643 Top 14.6% in $100M-$1B
430
Total Assets
size
Value: $643.47M
Peer Median: $386.57M
#430 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (3 metrics)

2320
Delinquency Rate
credit_quality
Value: 2.10%
Peer Median: 0.92%
#2320 of 2633 Bottom 11.9% in $100M-$1B
2097
Net Interest Margin
profitability
Value: 3.33%
Peer Median: 3.99%
#2097 of 2643 Bottom 20.7% in $100M-$1B
2089
Nonperforming Asset Ratio
credit_quality
Value: 0.97%
Peer Median: 0.67%
#2089 of 2643 Bottom 21.0% in $100M-$1B
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