Side-by-side · Q2 2026 data
First International Bank & Trust vs Bell Bank
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First International Bank & Trust | Bell Bank |
|---|---|---|
| TellerScore | 52 | 59 (stronger) |
| Capital cushion | 41 | 50 (stronger) |
| Loan quality | 49 | 70 (stronger) |
| Earnings | 69 (stronger) | 57 |
| Funding & liquidity | 43 | 43 |
| Problem-loan coverage | 68 | 85 (stronger) |
| Peer percentile | 9th | 25th |
| Total assets | $6.2B | $15.2B |
| Deposits / shares | $5.5B | $12.4B |
| Capital ratio | 9.06% | 9.98% (stronger) |
| Problem loans | 1.54% | 0.90% (stronger) |
| Net charge-offs | 0.20% | 0.02% (stronger) |
| Return on assets | 1.22% (stronger) | 0.93% |
| Loans ÷ deposits | 90.4% (stronger) | 105.9% |
| Uninsured deposits | 38.9% | 25.3% (stronger) |
| Offices | 27 | 32 |
| CFPB complaints (3 yrs) | — | 54 |
| Complaints per $1B deposits | — | 4.4 |
| Mortgage denial rate (HMDA) | 5.8% | 7.1% |
Bell Bank has the higher TellerScore (59 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First International Bank & Trust leads on 2 and Bell Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.