First State Bank & Trust

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

First State Bank & Trust is headquartered in Williston and is the 19th largest bank in the state of North Dakota. It is also the 1,757th largest bank in the nation. It was established in 1926 and as of September of 2021, it had grown to 68 employees at 4 locations. First State Bank & Trust has an A+ health rating.


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Health Grade Components

FDIC Certificate #14801
Year Established1926
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.56%
Return on Equity - YTD10.29%
Annual Interest Income$10.9MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$496.1MM$470.4MM
LoansQ3 2021vs Q3 2020$138.4MM$172.3MM
DepositsQ3 2021vs Q3 2020$418.1MM$392.2MM
Equity CapitalQ3 2021vs Q3 2020$75.0MM$73.1MM
Loan Loss AllowanceQ3 2021vs Q3 2020$2.7MM$2.6MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$68.00K$6.3MM
Real Estate OwnedQ3 2021vs Q3 2020$2.1MM$2.1MM
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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

0.30%*$25k*-Health Savings Account
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $15k | 0.25% $15k - $25k
0.10%*$20k*-Classic Savings Accounts
OTHER TIERS: 0.05% Up to $20k

First State Bank & Trust Money Market Rates

0.15%*$500k*-Classic Money Market Account
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $500k

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

0.55%$500-60 Month CD
0.55%$500-54 Month CD Special
0.45%$500-48 Month CD
0.45%$500-37 Month CD Special
0.35%$500-36 Month CD
0.35%$500-25 Month CD Special
0.25%$500-24 Month CD
0.25%$500-13 Month CD Special
0.15%$500-12 Month CD
0.10%$500-182 Day CD
0.05%$500-91 Day CD

First State Bank & Trust IRA Rates

0.55%$500-60 Month IRA
0.45%$500-48 Month IRA
0.35%$500-36 Month IRA
0.25%*$50k*-18 Month Variable IRA
OTHER TIERS: 0.15% $500 - $10k | 0.20% $10k - $50k
0.25%$500-24 Month IRA
0.15%$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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