First State Bank & Trust

Overview / Commentary

www.fsbtnd.bank

701-577-2113

22 4th Street East
Williston, ND 58802

First State Bank & Trust is headquartered in WILLISTON and is the 20^th largest bank in the state of North Dakota. It is also the 1,747^th largest bank in the nation. It was established in 1926 and as of March of 2024, it had grown to 69 employees at 4 locations. First State Bank & Trust's money market rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q1 2024

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Health Grade Components

Overall
FDIC Certificate #	14801
Year Established	1926
Employees	69
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.07%
Return on Equity - YTD	9.98%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q1 2024vs Q1 2023	$515.4MM$512.1MM
Loans	Q1 2024vs Q1 2023	$177.6MM$161.1MM
Deposits	Q1 2024vs Q1 2023	$459MM$451.2MM
Equity Capital	Q1 2024vs Q1 2023	$55.1MM$55.5MM
Loan Loss Allowance	Q1 2024vs Q1 2023	$2.9MM$2.9MM
Unbacked Noncurrent Loans	Q1 2024vs Q1 2023	$555K$269K
Real Estate Owned	Q1 2024vs Q1 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First State Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$125k^*	-	Classic Savings Accounts
OTHER TIERS: 0.25% → $0 - $20k \| 0.30% → $20k - $50k \| 0.75% → $50k - $125k
0.50%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.15% → $0 - $1k \| 0.25% → $1k - $10k \| 0.30% → $10k - $15k \| 0.40% → $15k - $25k

First State Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.60%^*	$500k^*	-	Classic Money Market Account
OTHER TIERS: 0.30% → $0 - $50k \| 0.75% → $50k - $125k \| 1.00% → $125k - $500k

First State Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	1st Premier Club Classic Checking Account
OTHER TIERS: 0.30% → $1.5k - $25k \| 0.50% → $25k - $100k
0.30%	$1.5k	-	Classic Checking Account

First State Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%	$500	-	13 Month CD Special
3.85%	$500	-	25 Month CD Special
2.50%	$500	-	54 Month CD Special
2.40%	$500	-	60 Month CD
2.30%	$500	-	48 Month CD
2.30%	$500	-	37 Month CD Special
2.20%	$500	-	36 Month CD
2.00%	$500	-	24 Month CD
1.90%	$500	-	12 Month CD
1.50%	$500	-	182 Day CD
1.40%	$500	-	91 Day CD

First State Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.40%	$500	-	60 Month IRA
2.30%	$500	-	48 Month IRA
2.20%^*	$50k^*	-	18 Month Variable IRA
OTHER TIERS: 2.00% → $500 - $10k \| 2.10% → $10k - $50k
2.20%	$500	-	36 Month IRA
2.00%	$500	-	24 Month IRA
1.90%	$500	-	12 Month IRA

Locations

First State Bank & Trust Locations
North Branch	105 26th Street West	Williston, ND 58801
First National Bank & Trust Co. Of Williston	22 4th St E	Williston, ND 58801
Crosby Branch	122 N Main Street	Crosby, ND 58730
Ray Branch	24 Rr Avenue	Ray, ND 58849

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