Bank · FDIC insured
First State Bank & Trust
A $542.6M bank headquartered in Williston, ND, with 4 branches in North Dakota. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs784.00%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank & Trust
- Headquarters
- 22 4th St E, Williston, ND 58801
- FDIC certificate
- 14801 ↗
Branches
4 branches in North Dakota
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North Dakota
4 branches
Williston area · 3
- First State Bank & TrustMain office22 4th St E, Williston, ND 58801Directions
- Ray Branch24 Rr Avenue, Ray, ND 58849Directions
- North Branch105 26th St W, Williston, ND 58801Directions
Crosby area · 1
- Crosby Branch122 N Main Street, Crosby, ND 58730Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.38% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.76% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $45 | $81 | — |
- CapitalLeverage ratio15.38%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.76%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$45Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.