Introduction
American State Bank (ASB) is a leading financial institution in Williston, North Dakota, providing a comprehensive range of banking services to individuals, businesses, and communities. With a deep understanding of the local economy and a commitment to delivering exceptional customer experiences, ASB has solidified its position as a trusted partner in financial growth and stability.
A History of Strength and Service
Founded in 1915, ASB has weathered economic storms and celebrated milestones, consistently demonstrating its unwavering commitment to the communities it serves. Its customer-centric approach and unwavering financial strength have earned ASB a reputation for excellence and reliability.
Range of Services for Every Need
ASB offers a full spectrum of financial solutions tailored to the unique needs of its diverse clientele:
Individuals:
* Personal banking accounts with competitive interest rates
* Mortgage loans for homeownership dreams
* Auto loans to get you on the road
* Credit cards for convenient spending
Businesses:
* Business checking accounts for seamless transactions
* Commercial loans for business expansion and investment
* Merchant services for efficient payment processing
* Business credit cards for purchasing flexibility
Communities:
* Community development loans for local infrastructure and economic growth
* Support for local charities and organizations through sponsorships and donations
Commitment to Customer Excellence
ASB is dedicated to delivering exceptional customer experiences through its unwavering commitment to:
Exceptional Convenience:
* Online and mobile banking for 24/7 account access
* ATM network for easy cash withdrawals
* Drive-through services for quick and convenient banking
Personalized Service:
* Dedicated relationship managers who understand your unique financial needs
* Tailored solutions to help you achieve your financial goals
* Local decision-making for timely approvals
Financial Strength and Stability
ASB's financial strength is a testament to its prudent management and sound financial practices. It consistently ranks among the top-performing banks in North Dakota, as evidenced by:
Stories of Impact
ASB's impact on the Williston community extends far beyond its financial services. Here are a few inspiring stories that demonstrate its commitment to making a difference:
Story 1: From Startup to Success
Story 2: Homeownership Dreams Fulfilled
Story 3: Community Investment
What We Learn
These stories highlight the transformative power of ASB's financial services and community outreach:
How to Bank with ASB
Step 1: Visit a Branch
Step 2: Open an Account
Step 3: Access Services
Why ASB Matters
Benefits of Banking with ASB
FAQs
Q: Is ASB insured by the FDIC?
A: Yes, ASB is a member of the FDIC, ensuring the safety of your deposits up to $250,000 per depositor.
Q: What are the hours of operation for ASB branches?
A: Branch hours vary, but most branches are open Monday through Friday from 8:00 AM to 5:00 PM.
Q: Can I apply for a loan online?
A: Yes, you can apply for a loan online through ASB's website.
Q: Does ASB offer mobile banking?
A: Yes, ASB offers a mobile banking app for convenient account management on the go.
Q: What is ASB's BauerFinancial rating?
A: ASB has a Four-star BauerFinancial rating, indicating exceptional financial health and stability.
Q: Does ASB support local charities?
A: Yes, ASB actively supports local charities and organizations through sponsorships and donations.
Q: How do I contact ASB customer service?
A: You can contact ASB customer service by phone at (701) 572-1800 or visit any branch location.
Q: What are the requirements to open a personal checking account at ASB?
A: To open a personal checking account, you will need to provide government-issued identification and proof of address.
Tables
Table 1: Key Financial Metrics
Metric | Value |
---|---|
Assets | $1.2 billion |
Tier 1 Capital Ratio | 14.63% |
BauerFinancial Rating | Four-star |
Table 2: Loan Portfolio
Loan Type | Amount Outstanding |
---|---|
Commercial Loans | $550 million |
Residential Mortgages | $300 million |
Auto Loans | $100 million |
Table 3: Deposit Products
Account Type | Interest Rate |
---|---|
Checking Account | 0.05% APY |
Savings Account | 0.10% APY |
Money Market Account | 0.25% APY |
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