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American State Bank & Trust Company Of Williston
Williston, ND · FDIC Certificate #15444 · Chartered 12/0
Total assets
$643.47M
Total deposits
$569.13M
Total equity
$54.82M
Net loans
$295.88M
Branches (offices)
2
Net income (YTD)
$8.54M
Rank: #1,471 of 4,213 U.S. banks by assets · #18 of 60 in North Dakota. Assets changed 1.0% and deposits 0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.63% |
| Return on equity | 29.26% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 8.52% |
| Tier 1 leverage ratio | 12.06% |
| Uninsured deposits (share of deposits) | 37.1% |
| Noncurrent loans (share of loans) | 2.07% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 52.0% |
| Real estate loans (share of loans) | 53.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $157.79M | 53.3% | |
| Commercial & industrial | $81.74M | 27.6% | |
| Consumer / individual | $18.43M | 6.2% | |
| Construction & development | $2.90M | 1.0% | |
| Agricultural | $41.16M | 13.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $624.03M | $574.64M | $6.74M | $37.16M |
| Jun 2023 | $629.82M | $571.73M | $6.29M | $38.14M |
| Jun 2024 | $601.08M | $540.38M | $6.69M | $43.07M |
| Jun 2025 | $637.19M | $568.93M | $7.23M | $47.47M |
| Jun 2026 | $643.47M | $569.13M | $8.54M | $54.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $569.13M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $569.13M.
Similar-sized banks
Home Federal Bank ($644.02M) · High Plains Bank ($643.13M)
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.
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