First State Bank & Trust

Overview / Commentary
22 4th Street East
Williston, ND 58802

First State Bank & Trust is headquartered in WILLISTON and is the 20th largest bank in the state of North Dakota. It is also the 1,773rd largest bank in the nation. It was established in 1926 and as of September of 2023, it had grown to 68 employees at 4 locations. First State Bank & Trust's money market rates are 4X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #14801
Year Established1926
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD13.18%
Annual Interest Income$12.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$491.9MM$506.6MM
LoansQ3 2023vs Q3 2022$171.9MM$160.6MM
DepositsQ3 2023vs Q3 2022$434.1MM$460.9MM
Equity CapitalQ3 2023vs Q3 2022$43.3MM$44.5MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2.9MM$2.9MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$267K$0
Real Estate OwnedQ3 2023vs Q3 2022$0$1.5MM
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Always verify rates and promotions with the bank or credit union. We are not First State Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* 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

1.00%*$125k*-Classic Savings Accounts
OTHER TIERS: 0.25% Up to $20k | 0.30% $20k - $50k | 0.75% $50k - $125k
0.50%*$25k*-Health Savings Account
OTHER TIERS: 0.15% Up to $1k | 0.25% $1k - $10k | 0.30% $10k - $15k | 0.40% $15k - $25k

First State Bank & Trust Money Market Rates

1.60%*$500k*-Classic Money Market Account
OTHER TIERS: 0.30% Up to $50k | 0.75% $50k - $125k | 1.00% $125k - $500k

First State Bank & Trust Checking Account Rates

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

4.50%$500-13 Month CD Special
4.10%$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

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

First State Bank & Trust Locations
North Branch105 26th Street WestWilliston, ND 58801
First National Bank & Trust Co. Of Williston22 4th St EWilliston, ND 58801
Crosby Branch122 N Main StreetCrosby, ND 58730
Ray Branch24 Rr AvenueRay, ND 58849

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