First State Bank & Trust vs Security First Bank Of North Dakota
Comparing a Bank in Williston, ND with a Bank in New Salem, 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 | Security First Bank Of North Dakota ↗ Bank · New Salem, ND · Est. 1925 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Williston, ND | New Salem, ND |
| Total assets | $539.7M | $296.6M |
| Capital ratio | 13.7% | 12.4% |
| Return on assets | 1.6% | 1.8% |
| Deposits | $464.4M | $251.5M |
| Branches | 4 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 60 | #2 of 60 |
| Established | 1926 | 1925 |
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
Security First Bank Of North Dakota
- Assets: $296.6M
- Deposits: $251.5M
- Capital ratio: 12.4%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #2 of 60
Are both institutions federally insured?
Yes. First State Bank & Trust is FDIC-insured and Security First Bank Of North Dakota 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 Security First Bank Of North Dakota?
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 Security First Bank Of North Dakota safe?
Yes — Security First Bank Of North Dakota 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 Security First Bank Of North Dakota?
First State Bank & Trust has a capital ratio of 13.7%, placing it in the top 16% of $100M–1B peers. Security First Bank Of North Dakota's ratio is 12.4%, placing it in the top 24% 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 Security First Bank Of North Dakota?
The CFPB database shows 0 complaints against First State Bank & Trust, and 0 complaints against Security First Bank Of North Dakota. 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.
