Side-by-side · Q2 2026 data
Alerus Financial, National Association vs First International Bank & Trust
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Alerus Financial, National Association | First International Bank & Trust |
|---|---|---|
| TellerScore | 70 (stronger) | 52 |
| Capital cushion | 43 (stronger) | 41 |
| Loan quality | 91 (stronger) | 49 |
| Earnings | 91 (stronger) | 69 |
| Funding & liquidity | 43 | 43 |
| Problem-loan coverage | 94 (stronger) | 68 |
| Peer percentile | 58th | 9th |
| Total assets | $5.3B | $6.2B |
| Deposits / shares | $4.2B | $5.5B |
| Capital ratio | 9.26% (stronger) | 9.06% |
| Problem loans | 0.26% (stronger) | 1.54% |
| Net charge-offs | 0.47% | 0.20% (stronger) |
| Return on assets | 1.78% (stronger) | 1.22% |
| Loans ÷ deposits | 94.7% | 90.4% (stronger) |
| Uninsured deposits | 35.1% (stronger) | 38.9% |
| Offices | 24 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 5.8% |
Alerus Financial, National Association has the higher TellerScore (70 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Alerus Financial, National Association leads on 5 and First International Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.