MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. American State Bank & Trust Company
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

American State Bank & Trust Company Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

American State Bank & Trust Company's top rates as of October 11, 2026 are 3.91% APY on its 11-Months 11-Month Certificate of Deposit Special, 1.66% APY on savings, 1.71% APY on money market accounts, and 1.01% APY on checking, according to rates verified by MonitorBankRates. Other American State Bank & Trust Company CD rates include 7-Months 7-Month Certificate of Deposit Special at 3.73%, 23-Months 23-Month Certificate of Deposit Special at 3.25%, and 4-Months 4-Month Certificate of Deposit Special at 3.23%. 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 11.34%. Rates last updated and verified on 10/11/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
11.34%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
American State Bank & Trust Company of Williston
223 Main St
Williston, ND 58801
https://www.asbt.com
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

American State Bank & Trust Company CD Rates

Product Rate APY Term View More
11 Month Certificate of Deposit Special 3.90% 3.91% 11 Months
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 7, 2026: 3.91% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
7 Month Certificate of Deposit Special 3.70% 3.73% 7 Months
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.73% APY · checked 2 times
3.23%3.73%4.23%Oct 7, 2026: 3.73% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
23 Month Certificate of Deposit Special 3.25% 3.25% 23 Months
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
4 Month Certificate of Deposit Special 3.20% 3.23% 4 Months
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.23% APY · checked 2 times
2.73%3.23%3.73%Oct 7, 2026: 3.23% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
60 Month Certificate 2.65% 2.65% 60 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 7, 2026: 2.65% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
48 Month Certificate 2.45% 2.45% 48 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Oct 7, 2026: 2.45% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
36 Month Certificate 2.35% 2.35% 36 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Oct 7, 2026: 2.35% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
30 Month Certificate 2.30% 2.30% 30 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 2.30% APY · checked 2 times
1.80%2.30%2.80%Oct 7, 2026: 2.30% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
24 Month Certificate 2.15% 2.15% 24 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Oct 7, 2026: 2.15% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
18 Month Certificate 2.10% 2.10% 18 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Oct 7, 2026: 2.10% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
12 Month Certificate 2.05% 2.05% 12 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 2.05% APY · checked 2 times
1.55%2.05%2.55%Oct 7, 2026: 2.05% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
3 Month Certificate 1.89% 1.90% 3 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Oct 7, 2026: 1.90% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
6 Month Certificate 1.89% 1.90% 6 Months
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Oct 7, 2026: 1.90% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

American State Bank & Trust Company Savings Rates

Product Rate APY View More
Personal Savings 1.65% 1.66%
Min Balance $1,000,000
Details Balance: $1,000,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 6 times
1.16%1.66%2.16%Sep 14, 2026: 1.66% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Personal Savings 1.25% 1.26%
Min Balance $500,000
Details Balance: $500,000-999,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 27, 2026: 1.26% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Youth Savings 1.25% 1.26%
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 6 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Personal Savings 0.75% 0.75%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 27, 2026: 0.75% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Youth Savings 0.75% 0.75%
Min Balance $25,000
Details Balance: $25,000-49,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 27, 2026: 0.75% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Health Savings Accounts 0.60% 0.60%
Min Balance $25,000
Details Balance: $25,000+
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 5 times
0.10%0.60%1.10%Sep 24, 2026: 0.60% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Health Savings Accounts 0.50% 0.50%
Min Balance $10,000
Details Balance: $10,000-24,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Health Savings Accounts 0.40% 0.40%
Min Balance $5,000
Details Balance: $5,000-9,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Personal Savings 0.30% 0.30%
Min Balance $100
Details Balance: $100 - 99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Youth Savings 0.30% 0.30%
Min Balance $0
Details Balance: $0-24,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Health Savings Accounts 0.25% 0.25%
Min Balance $0
Details Balance: $0-4,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

American State Bank & Trust Company Business Savings Rates

Product Rate APY View More
Business Savings 1.65% 1.66%
Min Balance $1,000,000
Details Balance: $1,000,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 6 times
1.16%1.66%2.16%Sep 14, 2026: 1.66% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Savings 1.25% 1.26%
Min Balance $500,000
Details Balance: $500,000-999,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 27, 2026: 1.26% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Savings 0.75% 0.75%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 27, 2026: 0.75% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Savings 0.30% 0.30%
Min Balance $500
Details Balance: $500-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

American State Bank & Trust Company Money Market Rates

Product Rate APY View More
Money Market 1.70% 1.71%
Min Balance $1,000,000
Details Balance: $1,000,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.71% APY · checked 6 times
1.21%1.71%2.21%Sep 14, 2026: 1.71% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Money Market 1.20% 1.21%
Min Balance $500,000
Details Balance: $500,000-999,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 1.21% APY · checked 4 times
0.71%1.21%1.71%Sep 27, 2026: 1.21% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Money Market 0.60% 0.60%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 27, 2026: 0.60% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Money Market 0.30% 0.30%
Min Balance $1,000
Details Balance: $1,000-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

American State Bank & Trust Company Business Money Market Rates

Product Rate APY View More
Business Money Market 1.70% 1.71%
Min Balance $1,000,000
Details Balance: $1,000,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.71% APY · checked 6 times
1.21%1.71%2.21%Sep 14, 2026: 1.71% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Money Market 1.20% 1.21%
Min Balance $500,000
Details Balance: $500,000-999,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 1.21% APY · checked 4 times
0.71%1.21%1.71%Sep 27, 2026: 1.21% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Money Market 0.60% 0.60%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 27, 2026: 0.60% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Money Market 0.30% 0.30%
Min Balance $1,000
Details Balance: $1,000-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

American State Bank & Trust Company Checking Rates

Product Rate APY View More
Advantage Checking 0.65% 0.65%
Min Balance $500,000
Details Balance: $500,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Advantage Checking 0.45% 0.45%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 27, 2026: 0.45% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Advantage Checking 0.30% 0.30%
Min Balance $25,000
Details Balance: $25,000-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Advantage Checking 0.20% 0.20%
Min Balance $500
Details Balance: $500-24,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

American State Bank & Trust Company Business Checking Rates

Product Rate APY View More
Business Presidential Checking 1.00% 1.01%
Min Balance $1,000,000
Details Balance: $1,000,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Government Checking 0.90% 0.90%
Min Balance $500,000
Details Balance: $500,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Non-Profit/Organization Checking 0.90% 0.90%
Min Balance $500,000
Details Balance: $500,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Presidential Checking 0.75% 0.75%
Min Balance $500,000
Details Balance: $500,000-999,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 27, 2026: 0.75% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Interest Checking 0.65% 0.65%
Min Balance $500,000
Details Balance: $500,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Government Checking 0.60% 0.60%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 27, 2026: 0.60% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Non-Profit/Organization Checking 0.60% 0.60%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 27, 2026: 0.60% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Presidential Checking 0.55% 0.55%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 27, 2026: 0.55% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Interest Checking 0.45% 0.45%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 27, 2026: 0.45% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Government Checking 0.30% 0.30%
Min Balance $25,000
Details Balance: $25,000-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Interest Checking 0.30% 0.30%
Min Balance $25,000
Details Balance: $25,000-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Non-Profit/Organization Checking 0.30% 0.30%
Min Balance $25,000
Details Balance: $25,000-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Presidential Checking 0.30% 0.30%
Min Balance $1,500
Details Balance: $1,500-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Government Checking 0.20% 0.20%
Min Balance $500
Details Balance: $500-24,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Interest Checking 0.20% 0.20%
Min Balance $250
Details Balance: $250-24,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Business Non-Profit/Organization Checking 0.20% 0.20%
Min Balance $500
Details Balance: $500-24,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

American State Bank & Trust Company Other Rates

Product Rate Points APY/APR Term View More
IRA Account 3.20% - 3.20% 12 Months
Min Balance $50
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
IRA Account 3.30% - 3.30% 24 Months
Min Balance $50
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
IRA Account 3.40% - 3.40% 36 Months
Min Balance $50
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
IRA Account 3.50% - 3.50% 48 Months
Min Balance $50
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
IRA Account 3.60% - 3.60% 60 Months
Min Balance $50
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Presidential Account 0.30% - 0.30%
Min Balance $1,500
Details Balance: $1,500-99,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Presidential Account 0.55% - 0.55%
Min Balance $100,000
Details Balance: $100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 27, 2026: 0.55% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Presidential Account 0.75% - 0.75%
Min Balance $500,000
Details Balance: $500,000-999,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 27, 2026: 0.75% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Presidential Account 1.00% - 1.01%
Min Balance $1,000,000
Details Balance: $1,000,000+
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

American State Bank & Trust Company’s Texas Ratio fell from 16.89% in Q3 2023 to 11.34% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 5.0 and its Health Grade from C+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 6% 2.0★ 12% 3.0★ 17% 4.0★ 23% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 16.89% C+ Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 B+ Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 11.34% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$643M11.34%5.0A
March 31, 2026$661M7.89%5.0A
December 31, 2025$648M6.57%5.0A
September 30, 2025$632M9.19%5.0A
June 30, 2025$637M17.14%4.8B+
March 31, 2025$646M11.31%5.0A
December 31, 2024$629M12.16%5.0A
September 30, 2024$616M9.57%5.0A
June 30, 2024$601M9.72%5.0A
March 31, 2024$624M9.56%5.0A
December 31, 2023$618M9.41%5.0A
September 30, 2023$607M16.89%3.6C+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 19361201
FDIC Insurance Date 19361218
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 94/100
5.0
Exceptional Out of 5.0 Stars
11.34%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 2.6251%
Return on Equity (ROE) 29.2600%
Non-Performing Loans (NPL) 0.97%
Total Assets $643,470,000
Total Deposits $569,129,000
Equity Capital $54,819,000
Net Income $8,538,000
Headquarters Williston
Total Branches and Offices 2
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

American State Bank & Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/american-state-bank-and-trust-company-rates-review-15444">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for American State Bank & Trust Company yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for American State Bank & Trust Company
Your Name:
Your Rating:

Frequently Asked Questions About American State Bank & Trust Company

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.

Current American State Bank & Trust Company Rates

  • 12-Month CD2.05%
  • 18-Month CD2.10%
  • 24-Month CD2.15%
  • 36-Month CD2.35%
  • 48-Month CD2.45%
  • 60-Month CD2.65%
  • Savings1.66%
  • MMA1.71%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

ValueBank Texas BankTennessee The Bank of Elk River Janesville State Bank PCB Bank Bippus State Bank Midwest Regional Bank Liberty Bank and Trust Company Maquoketa State Bank Western Bank Lubbock, TX Crown Bank Edina, MN F&M Bank of Ashland Popular Direct United Prairie Bank Second Federal S&L 1st Equity Bank Peoples Bank of Kentucky Buckeye State Bank Ozona Bank American Bank and Trust Company Security Bank New Auburn, WI