BlastPoint's Banking Scorecard
American State Bank & Trust Company of Williston
Community
Specialty: Agricultural
ND
FDIC cert 15444
Williston, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
American State Bank & Trust Company of Williston demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 9% in Community
- + Profitability Leader: Top 13% in Community
- + Efficiency Ratio 17.96% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$647.5M
+3.0% YoY
+2.5% QoQ
|
-$743.9M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$291.7M
-3.0% YoY
-0.9% QoQ
|
-$683.8M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$568.3M
+0.8% YoY
+2.0% QoQ
|
-$596.3M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
2.50%
+14.9% YoY
+5.2% QoQ
|
+1.33% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
3.18%
+13.2% YoY
+1.1% QoQ
|
-0.49% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
44.67%
-8.7% YoY
-2.5% QoQ
|
-17.96% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
1.37%
-35.4% YoY
+4.8% QoQ
|
+0.75% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
51.32%
-3.8% YoY
-2.8% QoQ
|
-31.74% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.78%
-0.3% YoY
+0.4% QoQ
|
+5.73% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.71%
-30.3% YoY
-20.8% QoQ
|
+0.21% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
21.99%
+5.1% YoY
+6.4% QoQ
|
+11.74% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
1.57%
-0.4% YoY
+35.6% QoQ
|
+0.83% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#34 of 371 · Top 9% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.57%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.50%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#49 of 371 · Top 13% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.50%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 8%
in Community
Efficiency Ratio is in the top decile (lowest costs) of tier peers. Operating costs as a share of revenue are well below peers - operating leverage is a real advantage here.
Why this stands out
Current:
44.67%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
97
97th pctile
Return on Assets
Current: 2.50% · Tier avg: 1.16%
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.32% · Tier avg: 83.06%
96
96th pctile
Tier 1 Capital Ratio
Current: 21.99% · Tier avg: 10.24%
94
94th pctile
Non-Interest Income / Assets
Current: 1.57% · Tier avg: 0.74%
92
92th pctile
Efficiency Ratio
Current: 44.67% · Tier avg: 62.63%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.78% · Tier avg: 21.05%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
24
24th pctile
Total Deposits
Current: $568.3M · Tier avg: $1.2B
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
21
21th pctile
Total Assets
Current: $647.5M · Tier avg: $1.4B
18
18th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.63%
5
5th pctile
Total Loans
Current: $291.7M · Tier avg: $975.5M
Top Weaknesses
5
5th pctile
Total Loans
Current: $291.7M · Tier avg: $975.5M
18
18th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.63%
21
21th pctile
Total Assets
Current: $647.5M · Tier avg: $1.4B
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
24
24th pctile
Total Deposits
Current: $568.3M · Tier avg: $1.2B
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.78% · Tier avg: 21.05%
92
92th pctile
Efficiency Ratio
Current: 44.67% · Tier avg: 62.63%
94
94th pctile
Non-Interest Income / Assets
Current: 1.57% · Tier avg: 0.74%
96
96th pctile
Tier 1 Capital Ratio
Current: 21.99% · Tier avg: 10.24%
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.32% · Tier avg: 83.06%
97
97th pctile
Return on Assets
Current: 2.50% · Tier avg: 1.16%