Total Assets
$536M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
First State Bank & Trust — FDIC Bank Health Profile
Williston, North Dakota · Est. 1926. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #14801 Kansas City Region
B
Health grade
Good
Score: 72/100
Basel III capital ratios — First State Bank & Trust
Total Deposits
$461M
Customer-funded liabilities
Net Loans
$209M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
27.68% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
27.68%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$73M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.49%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
12.12%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
57.12%
Income & Expense Breakdown
$22M
Interest Income
$4M
Non-Interest Income
$11M
Non-Interest Expense
FDIC Deposit Insurance
First State Bank & Trust is FDIC-insured (Certificate #14801). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About First State Bank & Trust
First State Bank & Trust is an FDIC-insured institution (Certificate #14801) headquartered in Williston, North Dakota, established in 1926. The bank currently holds $536M in total assets and $461M in customer deposits, with $209M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, First State Bank & Trust reports a Tier 1 Capital Ratio of 27.68% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $73M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.49% and a Return on Equity of 12.12%, with an Efficiency Ratio of 57.12% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (72/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at First State Bank & Trust is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in North Dakota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data First State Bank & Trust (FDIC Cert #14801) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell Bank Fargo | $14.4B | D | 0.59% |
| First International Bank & Trust Watford City | $6.2B | C | 1.69% |
| Choice Financial Group Fargo | $6.0B | F | 1.22% |
| Alerus Financial, National Association Grand Forks | $5.2B | D | 0.42% |
| Gate City Bank Fargo | $4.0B | F | 0.60% |
| Bravera Bank Dickinson | $3.8B | C | 1.12% |
| Western State Bank Devils Lake | $2.6B | B | 1.79% |
| First Western Bank & Trust Minot | $2.3B | F | 0.84% |
Frequently Asked Questions
What is First State Bank & Trust's health grade? ▼
First State Bank & Trust receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First State Bank & Trust? ▼
First State Bank & Trust holds $536M in total assets and $461M in deposits. It is headquartered in Williston, North Dakota.
Is my money safe at First State Bank & Trust? ▼
Yes. First State Bank & Trust is FDIC-insured (Certificate #14801). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is First State Bank & Trust's Tier 1 Capital Ratio? ▼
First State Bank & Trust has a Tier 1 Capital Ratio of 27.68%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is First State Bank & Trust? ▼
First State Bank & Trust has an Efficiency Ratio of 57.12%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.