First State Bank & Trust

Overview / Commentary
22 East Fourth Street
Williston, ND 58802

First State Bank & Trust is headquartered in Williston and is the 16th largest bank in the state of North Dakota. It is also the 1,544th largest bank in the nation. It was established in 1926 and as of December of 2019, it had grown to 60 employees at 4 locations. First State Bank & Trust has a B+ health rating.


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Health Grade Components

FDIC Certificate #14801
Year Established1926
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.72%
Return on Equity - YTD12.68%
Annual Interest Income$15.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$465.4MM$452.4MM
LoansQ4 2019vs Q4 2018$162.1MM$173.9MM
DepositsQ4 2019vs Q4 2018$390.5MM$394.0MM
Equity CapitalQ4 2019vs Q4 2018$66.1MM$55.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$4.1MM$3.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$4.6MM$3.3MM
Real Estate OwnedQ4 2019vs Q4 2018$2.1MM$1.3MM
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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

0.15%*$125k*-Classic Savings Accounts
OTHER TIERS: 0.05% Up to $20k | 0.10% $20k - $125k

First State Bank & Trust Money Market Rates

0.15%*$125k*-Classic Money Market Account
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $125k

First State Bank & Trust Checking Account Rates

0.10%*$100k*-1st Premier Club Classic Checking Account
OTHER TIERS: 0.05% $1.5k - $100k
0.04%$1.5k-Classic Checking Account

First State Bank & Trust CD Rates

0.90%$500-59 Month CD Special
0.70%$500-37 Month CD Special
0.60%$500-60 Month CD
0.60%$500-25 Month CD Special
0.50%$500-48 Month CD
0.50%$500-13 Month CD Special
0.40%$500-36 Month CD
0.30%$500-24 Month CD
0.20%$500-12 Month CD
0.10%$500-182 Day CD
0.05%$500-91 Day CD

First State Bank & Trust IRA Rates

0.60%$500-60 Month IRA
0.50%$500-48 Month IRA
0.40%$500-36 Month IRA
0.35%*$50k*-18 Month Variable IRA
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $50k
0.30%$500-24 Month IRA
0.20%$500-12 Month IRA

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

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