Banks | First State Bank & Trust

First State Bank & Trust


First State Bank & Trust is an FDIC insured institution headquartered at 22 4th St E, Williston, ND 58801.
It was founded in 1926 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - January 9, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.10% $100,000 Compare
12 Mo CD
0.20% $10,000 Compare
12 Mo CD
0.20% $100,000 Compare
Special: 13 Mo CD
0.50% $500 Compare
24 Mo CD
0.30% $10,000 Compare
24 Mo CD
0.30% $100,000 Compare
Special: 25 Mo CD
0.60% $500 Compare
36 Mo CD
0.40% $10,000 Compare
36 Mo CD
0.40% $100,000 Compare
Special: 37 Mo CD
0.70% $500 Compare
48 Mo CD
0.50% $10,000 Compare
48 Mo CD
0.50% $100,000 Compare
Special: 54 Mo CD
0.90% $500 Compare
60 Mo CD
0.60% $10,000 Compare
60 Mo CD
0.60% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.05% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14801
Date Established 1926
Assets $ 543.67 million
Loans $ 189.69 million
Deposits $ 469.99 million
Capital $ 63.35 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 56.04 million
Interest-bearing balances $ 46.72 million
Total securities $ 282.81 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 189.69 million
Loan loss allowance $ 2.87 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.06 million
All other assets $ 8.95 million
     Total Assets $ 480.32 million

LIABILITIES
Total deposits $ 469.99 million
      Interest-bearing deposits $ 355.29 million
      Deposits held in domestic offices $ 469.99 million
      % insured (estimated) 59.03%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.95 millionn
      Total Liabilities $ 480.32 million
      Shareholders’ Equity $ 63.35 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 14.75 million
Total Interest Expense $ 5.41 million
Net interest income $ 9.35 million
Provision for loan and lease losses N.A.
Total non interest income $ 3.16 million
Total non interest expense $ 7.94 million
Pre-tax Net Operating Income $ 3.62 million

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