First State Bank & Trust

Williston, ND · FDIC Certificate #14801 · Chartered 02/0

Total assets

$542.57M

Total deposits

$466.04M

Total equity

$75.12M

Net loans

$208.47M

Branches (offices)

Net income (YTD)

$4.76M

Rank: #1,690 of 4,213 U.S. banks by assets · #21 of 60 in North Dakota. Assets changed 1.4% and deposits -0.5% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.76%
Return on equity	12.85%
Net interest margin (YTD)	3.16%
Equity to assets	13.85%
Tier 1 leverage ratio	15.38%
Uninsured deposits (share of deposits)	39.6%
Noncurrent loans (share of loans)	0.00%
Net charge-offs (share of loans)	0.06%
Loans to deposits	44.7%
Real estate loans (share of loans)	67.0%

Loan mix

Category	Amount	Share
Real estate loans	$139.71M	67.0%
Commercial & industrial	$33.99M	16.3%
Consumer / individual	$19.32M	9.3%
Construction & development	$7.16M	3.4%
Agricultural	$9.68M	4.6%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$514.23M	$464.10M	$3.56M	$49.18M
Jun 2023	$501.32M	$436.17M	$3.38M	$49.62M
Jun 2024	$512.40M	$457.35M	$2.75M	$53.54M
Jun 2025	$534.95M	$468.46M	$3.62M	$64.93M
Jun 2026	$542.57M	$466.04M	$4.76M	$75.12M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
North Dakota	$466.04M	4

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $466.04M.

Similar-sized banks

Austin County State Bank ($542.96M) · Merchants & Farmers Bank & Trust Company ($541.45M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.