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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 - March 22, 2026

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 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14801
Date Established 1926
Assets $ 530.83 million
Loans $ 195.95 million
Deposits $ 457.88 million
Capital $ 71.45 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 14.44 million
Interest-bearing balances $ 6.45 million
Total securities $ 304.67 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 195.95 million
Loan loss allowance $ 3.12 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 $ 459.38 million

LIABILITIES
Total deposits $ 457.88 million
      Interest-bearing deposits $ 353.95 million
      Deposits held in domestic offices $ 457.88 million
      % insured (estimated)" 61.26%
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 $ 459.38 million
      Shareholders’ Equity $ 71.45 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 16.54 million
Total Interest Expense $ 5.31 million
Net interest income $ 11.24 million
Provision for loan and lease losses $ 0.23 million
Total non interest income $ 3.11 million
Total non interest expense $ 8.21 million
Pre-tax Net Operating Income $ 3.62 million

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