BlastPoint's Banking Scorecard
First State Bank & Trust
Community
Specialty: Commercial
ND
FDIC cert 14801
Williston, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
First State Bank & Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 17.44% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 38% in Community
- - Loan-to-Deposit Ratio 37.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$535.8M
+0.0% YoY
+0.9% QoQ
|
-$855.6M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$209.1M
+10.6% YoY
+6.7% QoQ
|
-$766.4M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$461.5M
-3.3% YoY
+0.8% QoQ
|
-$703.1M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.49%
+21.1% YoY
+2.3% QoQ
|
+0.32% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
2.95%
+13.2% YoY
+1.4% QoQ
|
-0.71% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
57.12%
-9.1% YoY
-0.2% QoQ
|
-5.51% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
45.30%
+14.3% YoY
+5.9% QoQ
|
-37.76% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.61%
-0.2% YoY
-0.4% QoQ
|
+1.57% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
27.68%
-3.0% YoY
-2.5% QoQ
|
+17.44% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.79%
+1.3% YoY
+34.5% QoQ
|
+0.05% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
27.68%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Deposit Outflow
decline
#96 of 248 · Bottom 38% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
45.30%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
98
98th pctile
Tier 1 Capital Ratio
Current: 27.68% · Tier avg: 10.24%
76
76th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
66
66th pctile
Efficiency Ratio
Current: 57.12% · Tier avg: 62.63%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.61% · Tier avg: 21.05%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
7
7th pctile
Total Deposits
Current: $461.5M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $535.8M · Tier avg: $1.4B
3
3th pctile
Loan-to-Deposit Ratio
Current: 45.30% · Tier avg: 83.06%
1
1th pctile
Total Loans
Current: $209.1M · Tier avg: $975.5M
Top Weaknesses
1
1th pctile
Total Loans
Current: $209.1M · Tier avg: $975.5M
3
3th pctile
Loan-to-Deposit Ratio
Current: 45.30% · Tier avg: 83.06%
5
5th pctile
Total Assets
Current: $535.8M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $461.5M · Tier avg: $1.2B
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.61% · Tier avg: 21.05%
66
66th pctile
Efficiency Ratio
Current: 57.12% · Tier avg: 62.63%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
76
76th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
98
98th pctile
Tier 1 Capital Ratio
Current: 27.68% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%