Side-by-side · Q2 2026 data
First International Bank & Trust vs BNC National Bank
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First International Bank & Trust | BNC National Bank |
|---|---|---|
| TellerScore | 52 | 71 (stronger) |
| Capital cushion | 41 | 72 (stronger) |
| Loan quality | 49 | 72 (stronger) |
| Earnings | 69 (stronger) | 65 |
| Funding & liquidity | 43 | 62 (stronger) |
| Problem-loan coverage | 68 | 91 (stronger) |
| Peer percentile | 9th | 63rd |
| Total assets | $6.2B | $1.0B |
| Deposits / shares | $5.5B | $915.8M |
| Capital ratio | 9.06% | 12.21% (stronger) |
| Problem loans | 1.54% | 0.84% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.61% |
| Return on assets | 1.22% (stronger) | 1.14% |
| Loans ÷ deposits | 90.4% | 78.8% (stronger) |
| Uninsured deposits | 38.9% | 32.5% (stronger) |
| Offices | 27 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 14.5% |
BNC National Bank has the higher TellerScore (71 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First International Bank & Trust leads on 2 and BNC National Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bismarck, ND
- Watford City, ND
- Mandan, ND