Side-by-side · Q2 2026 data
First International Bank & Trust vs Bravera Bank
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First International Bank & Trust | Bravera Bank |
|---|---|---|
| TellerScore | 52 | 67 (stronger) |
| Capital cushion | 41 | 47 (stronger) |
| Loan quality | 49 | 70 (stronger) |
| Earnings | 69 | 75 (stronger) |
| Funding & liquidity | 43 | 75 (stronger) |
| Problem-loan coverage | 68 | 88 (stronger) |
| Peer percentile | 9th | 44th |
| Total assets | $6.2B | $3.8B |
| Deposits / shares | $5.5B | $3.3B |
| Capital ratio | 9.06% | 9.73% (stronger) |
| Problem loans | 1.54% | 0.90% (stronger) |
| Net charge-offs | 0.20% | -0.04% (stronger) |
| Return on assets | 1.22% | 1.37% (stronger) |
| Loans ÷ deposits | 90.4% | 82.2% (stronger) |
| Uninsured deposits | 38.9% | 17.6% (stronger) |
| Offices | 27 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 2.2% |
Bravera Bank has the higher TellerScore (67 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First International Bank & Trust leads on 0 and Bravera Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.