TellerScore

First International Bank & Trust (FDIC certificate #10248) is based in Watford City, North Dakota. Its Q2 2026 call report shows $6.2B in total assets and $5.5B in deposits and 28 offices across 4 states.

First International Bank & Trust has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 897 banks with $1 billion – $10 billion. Among 60 banks headquartered in North Dakota, it ranks 58th. Earnings contributes the most (69/100, 1.22%); capital cushion contributes the least (41/100, 9.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.06%
Loan quality49/100
Noncurrent loans ÷ total loans: 1.54%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 90.4% · 38.9% uninsured
Problem-loan coverage68/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.87%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (54 → 52), mostly because the earnings component weakened by 27 points.

TellerScore
526170Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202470
Q1 202562
Q2 202554
Q3 202554
Q4 202554
Q1 202652
Q2 202652
Tier 1 leverage ratio
5.00%7.32%9.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.46%
Q3 20248.51%
Q4 20249.17%
Q1 20259.64%
Q2 20259.31%
Q3 20259.17%
Q4 20259.29%
Q1 20269.32%
Q2 20269.06%
Noncurrent loans
0.38%1.15%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.56%
Q4 20240.38%
Q1 20251.38%
Q2 20251.93%
Q3 20251.83%
Q4 20251.85%
Q1 20261.62%
Q2 20261.54%
Return on assets
1.22%1.74%2.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.54%
Q3 20241.59%
Q4 20241.91%
Q1 20252.27%
Q2 20251.91%
Q3 20251.74%
Q4 20251.69%
Q1 20261.27%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$6.2B9.06%1.54%1.22%90.4%
Q1 202652$6.0B9.32%1.62%1.27%88.8%
Q4 202554$6.2B9.29%1.85%1.69%85.7%
Q3 202554$5.7B9.17%1.83%1.74%92.1%
Q2 202554$5.5B9.31%1.93%1.91%93.9%
Q1 202562$5.5B9.64%1.38%2.27%88.7%
Q4 202470$5.5B9.17%0.38%1.91%89.4%
Q3 202463$5.4B8.51%0.56%1.59%91.9%
Q2 202462$5.4B8.46%0.67%1.54%90.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.06%
13th
Total risk-based capital11.71%
30th
Problem loans1.54%
15th
Net charge-offs0.20%
19th
Return on assets1.22%
47th
Net interest margin4.06%
72nd
Efficiency ratio70.4%
20th
Loans to deposits90.4%
39th
Uninsured deposits38.9%
30th
Loan-loss reserves1.04%
36th
Texas ratio15.9%
6th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Choice Financial GroupBank Fargo, ND73 out of 100, Strong$6.4B10.8%0.68%vs
Alerus Financial, National AssociationBank Grand Forks, ND70 out of 100, Strong$5.3B9.3%0.26%vs
Gate City BankBank Fargo, ND65 out of 100, Moderate$4.0B9.8%0.69%vs
Bravera BankBank Dickinson, ND67 out of 100, Moderate$3.8B9.7%0.90%vs
Western State BankBank Devils Lake, ND78 out of 100, Strong$2.5B13.2%0.90%vs
First Western Bank & TrustBank Minot, ND55 out of 100, Moderate$2.4B9.6%1.42%vs

Deposit insurance

Is my money safe at First International Bank & Trust?

Yes. First International Bank & Trust is an FDIC-insured institution (FDIC certificate #10248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.9% of deposits ($2.1B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.71% (benchmark: 10%).

Check how much of your own balance is covered

28 locations

Branches

First International Bank & Trust lists 27 offices in 22 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First International Bank & Trust reported 2,199 home-loan applications under HMDA (LEI 5493002LPXKMOZNXUY90): 1,833 originated ($639,515,000 total), 114 denied, and 241 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First International Bank & Trust
Former names
First International Bank; First International Bank of Watford City
Type
State-chartered bank
FDIC certificate #
10248
RSSD ID
236153
Primary regulator
FDIC
Holding company
Watford City Bancshares Inc
Established
May 1, 1910
Headquarters
100 N Main St, Watford City, ND 58854
Employees
620

Quick answers

First International Bank & Trust: common questions

Is First International Bank & Trust FDIC insured?

Yes. First International Bank & Trust is an FDIC-insured institution (FDIC certificate #10248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First International Bank & Trust's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First International Bank & Trust ever failed?

There is no failure record for FDIC certificate #10248 in the FDIC failed bank list.

How many branches does First International Bank & Trust have?

28 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Watford City

InstitutionScoreAssetsCapitalProblem loansCompare
BNC National BankBank Glendale, AZ71 out of 100, Strong$1.0B12.2%0.84%vs
Dakota West Credit UnionCredit union Watford City, ND61 out of 100, Moderate$326.5M14.2%3.14%vs
Cornerstone BankBank Fargo, ND47 out of 100, Below average$1.9B9.6%2.35%vs