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American State Bank & Trust Company

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American State Bank & Trust Company Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, American State Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare American State Bank & Trust Company rates to other rates in our database, including 12-month CD rates currently at 2.86%, 6-month CD rates at 0.75% and 3-month CD rates at 3.54%. Savings rates are at 0.10% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to American State Bank & Trust Company rates. MonitorBankRates evaluates the financial stability of American State Bank & Trust Company with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 19.04%. Rates were last updated on 04/23/2026.

American State Bank & Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American State Bank & Trust Company? Share your experience about American State Bank & Trust Company by leaving a review below, or read customer reviews before you decide to use American State Bank & Trust Company.

Overall Health & Safety Grade

A-

Very Good Health Score: 90/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

19.04%

Good Higher than avg

American State Bank & Trust Company

223 Main St
Williston, ND 58801

https://www.asbt.com

Current Rate Availability

We do not have American State Bank & Trust Company rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for American State Bank & Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather American State Bank & Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with American State Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name American State Bank & Trust Company

Bank Holding Company AMERICAN STB HOLDING CO INC

Address 223 Main St, Williston, ND 58801 · Williams

Website https://www.asbt.com

FDIC Certificate # 15444

Established 12/01/1936

FDIC Insurance Date 12/18/1936

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 90/100

5.0

Exceptional Out of 5.0 Stars

19.04%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9870%

Return on Equity (ROE) 31.5700%

Non-Performing Loans (NPL) 0.98%

Total Assets $647,512,000

Total Deposits $568,323,000

Equity Capital $60,273,000

Net Income $15,936,000

Headquarters Williston

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About American State Bank & Trust Company

Is American State Bank & Trust Company a safe place to deposit money?

Yes, American State Bank & Trust Company is considered a safe financial institution. With a Texas Ratio of 19.037205421115%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does American State Bank & Trust Company operate?

American State Bank & Trust Company currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, American State Bank & Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, American State Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does American State Bank & Trust Company offer online and mobile banking?

Most modern institutions like American State Bank & Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.asbt.com.