Side-by-side · Q2 2026 data
First International Bank & Trust vs Cornerstone Bank
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First International Bank & Trust | Cornerstone Bank |
|---|---|---|
| TellerScore | 52 (stronger) | 47 |
| Capital cushion | 41 | 46 (stronger) |
| Loan quality | 49 (stronger) | 22 |
| Earnings | 69 | 70 (stronger) |
| Funding & liquidity | 43 | 48 (stronger) |
| Problem-loan coverage | 68 (stronger) | 62 |
| Peer percentile | 9th | 5th |
| Total assets | $6.2B | $1.9B |
| Deposits / shares | $5.5B | $1.6B |
| Capital ratio | 9.06% | 9.63% (stronger) |
| Problem loans | 1.54% (stronger) | 2.35% |
| Net charge-offs | 0.20% | 0.13% (stronger) |
| Return on assets | 1.22% | 1.25% (stronger) |
| Loans ÷ deposits | 90.4% | 81.7% (stronger) |
| Uninsured deposits | 38.9% (stronger) | 43.1% |
| Offices | 27 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 2.0% |
First International Bank & Trust has the higher TellerScore (52 vs 47). On the 7 directional measures above (where higher or lower is clearly better), First International Bank & Trust leads on 3 and Cornerstone Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Minot, ND
- Fargo, ND
- Watford City, ND
- Bismarck, ND
- Rugby, ND
- Sioux Falls, SD