American St B&T Co Williston
Williston, North Dakota · FDIC Cert #15444
American St B&T Co Williston is an FDIC-insured bank (Certificate #15444) with $601M in total assets and $540M in total deposits as of the Q2 2024 Call Report. Headquartered in Williston, North Dakota, the bank maintains a Tier 1 capital ratio of 20.93% (Well-Capitalized) and a nonperforming loan ratio of 1.61%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American St B&T Co Williston (FDIC cert 15444) is a community bank — $601M in total assets, $540M in deposits, serving the Williston, North Dakota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 20.93% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.61% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 47.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.18% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. American St B&T Co Williston carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: American St B&T Co Williston
- Total Assets
- $601M
- Total Deposits
- $540M
- Tier 1 Capital Ratio
- 20.93%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.61%
- Liquidity Ratio
- 47.32%
- Return on Assets
- 2.18%
- Headquarters
- Williston, North Dakota
- FDIC Certificate
- #15444
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, American St B&T Co Williston holds a Tier 1 capital ratio of 20.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning American St B&T Co Williston has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
American St B&T Co Williston shows strong financial health indicators. With $601M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How American St B&T Co Williston Compares
American St B&T Co Williston’s Health Score of 90 is 22 points above the North Dakota state average of 68 across 55 FDIC-insured banks. Its 20.93% Tier 1 capital ratio is 6.9 points above the US banking industry average near 14%. The 1.61% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.18% is in line with or above the national ROA benchmark of ~1.1%. Among 1376 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, American St B&T Co Williston is 20 points above the portfolio average of 70.
Frequently Asked Questions
American St B&T Co Williston has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 20.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. American St B&T Co Williston's Tier 1 capital ratio of 20.93% and nonperforming loan ratio of 1.61% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at American St B&T Co Williston is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15444). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
American St B&T Co Williston holds $601M in total assets and $540M in total deposits. It is headquartered in Williston, North Dakota (FDIC Certificate #15444).
American St B&T Co Williston has a Tier 1 capital ratio of 20.93%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.61%, and the return on assets is 2.18%.
Yes. American St B&T Co Williston is FDIC-insured (Certificate #15444). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American St B&T Co Williston's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.