Side-by-side · Q2 2026 data
Choice Financial Group vs First International Bank & Trust
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Choice Financial Group | First International Bank & Trust |
|---|---|---|
| TellerScore | 73 (stronger) | 52 |
| Capital cushion | 58 (stronger) | 41 |
| Loan quality | 77 (stronger) | 49 |
| Earnings | 72 (stronger) | 69 |
| Funding & liquidity | 86 (stronger) | 43 |
| Problem-loan coverage | 94 (stronger) | 68 |
| Peer percentile | 70th | 9th |
| Total assets | $6.4B | $6.2B |
| Deposits / shares | $5.1B | $5.5B |
| Capital ratio | 10.84% (stronger) | 9.06% |
| Problem loans | 0.68% (stronger) | 1.54% |
| Net charge-offs | 0.31% | 0.20% (stronger) |
| Return on assets | 1.30% (stronger) | 1.22% |
| Loans ÷ deposits | 62.0% (stronger) | 90.4% |
| Uninsured deposits | 26.5% (stronger) | 38.9% |
| Offices | 18 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 5.8% |
Choice Financial Group has the higher TellerScore (73 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Choice Financial Group leads on 6 and First International Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.