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BDI
FS

First State Bank & Trust

Williston, North DakotaFDIC Cert #14801

STATEEstablished 19264 branches

Holding company: JORGENSON WILLISTON HOLDING CORegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$44.8M
Investor CRE$48.5M
Multifamily$3.19M
Construction$9.59M
1–4 family$22.6M
C&I$35.2M
Agriculture$19.7M
Other$26.7M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$210M
+12.1%y/y
Percentile by value13th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$207M
+12.2%y/y
Percentile by value13th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Loans YoY
+12.23%
+214.2%y/y
Percentile by value80th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
L/D
44.6%
+17.7%y/y
Percentile by value4th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + DEP
Loans/assets
38.4%
+14.6%y/y
Percentile by value4th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + ASSET
RE loans %
66.66%
−2.0%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
70%
+20.5%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
11%
+129.3%y/y
Percentile by value15th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,450points
−0.2%y/y
Peer standing94th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
21.31%
−4.1%y/y
Percentile by value85th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
23.08%
+2.2%y/y
Percentile by value78th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROT + LNLSGR
C&I %
16.74%
+17.0%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNCI + LNLSGR