Side-by-side · Q2 2026 data
First International Bank & Trust vs Dakota West Credit Union
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First International Bank & Trust | Dakota West Credit Union |
|---|---|---|
| TellerScore | 52 | 61 (stronger) |
| Capital cushion | 41 | 92 (stronger) |
| Loan quality | 49 (stronger) | 0 |
| Earnings | 69 (stronger) | 64 |
| Funding & liquidity | 43 | 86 (stronger) |
| Problem-loan coverage | 68 | 74 (stronger) |
| Peer percentile | 9th | 24th |
| Total assets | $6.2B | $326.5M |
| Deposits / shares | $5.5B | $282.8M |
| Capital ratio | 9.06% | 14.17% (stronger) |
| Problem loans | 1.54% (stronger) | 3.14% |
| Net charge-offs | 0.20% | 0.13% (stronger) |
| Return on assets | 1.22% (stronger) | 1.09% |
| Loans ÷ deposits | 90.4% | 58.8% (stronger) |
| Uninsured deposits | 38.9% | 27.7% (stronger) |
| Offices | 27 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 51.5% |
Dakota West Credit Union has the higher TellerScore (61 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First International Bank & Trust leads on 2 and Dakota West Credit Union 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
- Watford City, ND