First State Bank & Trust
Williston, North Dakota, Williams County
$543M in total assets, the 1,722nd largest of 4,309 US banks and 21st of 60 headquartered in North Dakota.
- FDIC certificate
- 14801
- Established
- 1926
- Owned by
- Jorgenson Williston Holding Co
- Primary regulator
- FDIC
- Website
- www.fsbtnd.bank
At a glance
Compared with 33 banks headquartered in North Dakota with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $543M | 79% | $257M | |
| Loans | $212M | 61% | $153M | |
| Deposits | $466M | 79% | $227M | |
| Return on assets | 1.70% | 70% | 1.46% | |
| Net interest margin | 3.16% | 18% | 3.84% | |
| Efficiency ratio | 53.4% | 42% | 55.6% | |
| Equity to assets | 13.85% | 97% | 9.67% | |
| Loans to deposits | 45% | 12% | 79% |
Growth
Total assets grew 2.3% a year over the last 5 years and 1.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 1990 | First National Bank of Crosby Crosby, ND | $12M |
| Jan 1988 | Williston Basin State Bank Williston, ND | $14M |
| Oct 1987 | Citizens State Bank of Ray Ray, ND | $12M |
Where they operate
4 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Williams County, ND | $359M | 17.1% | 3 of 6 |
| Divide County, ND | $107M | 51.9% | 1 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 4 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 43% | 13% | |
| Business (C&I) | 16% | 12% | |
| 1-4 family residential | 11% | 10% | |
| Consumer | 9% | 4% | |
| Farmland | 6% | 24% | |
| Agricultural | 5% | 32% | |
| Construction and land | 3% | 2% | |
| Multifamily | 3% | 2% | |
| Other | 4% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 57% | 44% | |
| Time deposits | 22% | 35% | |
| Noninterest-bearing | 21% | 21% |
Brokered deposits are 0.0% of deposits (peers 3.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.47% |
| Net charge-offs, annualized | 0.06% | 0.00% |
| Reserves to loans | 1.53% | 1.17% |
| Leverage ratio | 15.38% | 10.32% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in North Dakota
Largest competitors in Williams County, ND
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-state-bank-trust-williston-nd