First State Bank & Trust vs Commercial Bank Of Mott
Comparing a Bank in Williston, ND with a Bank in Mott, ND using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| First State Bank & Trust ↗ Bank · Williston, ND · Est. 1926 | Commercial Bank Of Mott ↗ Bank · Mott, ND · Est. 1940 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Williston, ND | Mott, ND |
| Total assets | $539.7M | $145.7M |
| Capital ratio | 13.7% | 11.7% |
| Return on assets | 1.6% | 1.7% |
| Deposits | $464.4M | $122.0M |
| Branches | 4 | 1 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 60 | #6 of 60 |
| Established | 1926 | 1940 |
First State Bank & Trust
- Assets: $539.7M
- Deposits: $464.4M
- Capital ratio: 13.7%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #4 of 60
Commercial Bank Of Mott
- Assets: $145.7M
- Deposits: $122.0M
- Capital ratio: 11.7%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #6 of 60
Are both institutions federally insured?
Yes. First State Bank & Trust is FDIC-insured and Commercial Bank Of Mott is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, First State Bank & Trust or Commercial Bank Of Mott?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — First State Bank & Trust scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is First State Bank & Trust safe?
Yes — First State Bank & Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Commercial Bank Of Mott safe?
Yes — Commercial Bank Of Mott is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of First State Bank & Trust vs Commercial Bank Of Mott?
First State Bank & Trust has a capital ratio of 13.7%, placing it in the top 16% of $100M–1B peers. Commercial Bank Of Mott's ratio is 11.7%, placing it in the top 30% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does First State Bank & Trust have compared to Commercial Bank Of Mott?
The CFPB database shows 0 complaints against First State Bank & Trust, and 0 complaints against Commercial Bank Of Mott. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare First State Bank & Trust with other Banks in North Dakota
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
