First State Bank & Trust is a bank based in Williston, North Dakota, established in 1926, with $540 million in total assets across 4 branches. By Trust Grade it ranks 4th of 60 banks we track in North Dakota. Its capital ratio of 13.7% is stronger than 84% of similarly sized banks, versus a North Dakota median of 9.5%. It was profitable over the most recent period, with a 1.58% return on assets. No consumer complaints against First State Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First State Bank & Trust compares to North Dakota peers
How we graded First State Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.7% capital ratio)
- Strongly profitable (ROA 1.58%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First State Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 122 N Main Street, Crosby, ND 58730
- 105 26th St W, Williston, ND 58801
- 24 Rr Avenue, Ray, ND 58849
- 22 4th St E, Williston, ND 58801
Are deposits at First State Bank & Trust insured?
Yes. First State Bank & Trust is an FDIC-insured bank (FDIC certificate #14801). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First State Bank & Trust: frequently asked questions
Is First State Bank & Trust a good bank?
First State Bank & Trust earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.7% capital ratio); Strongly profitable (ROA 1.58%).
Is First State Bank & Trust FDIC-insured?
Yes. First State Bank & Trust is a FDIC-insured bank (FDIC certificate #14801). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First State Bank & Trust?
First State Bank & Trust holds $540 million in total assets, ranking 4th of 60 banks we track in North Dakota. It operates 4 branches.
Does First State Bank & Trust have CFPB complaints?
No CFPB complaints against First State Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
