Side-by-side · Q2 2026 data
First International Bank & Trust vs First State Bank & Trust
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First International Bank & Trust | First State Bank & Trust |
|---|---|---|
| TellerScore | 52 | 94 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 49 | 100 (stronger) |
| Earnings | 69 | 91 (stronger) |
| Funding & liquidity | 43 | 73 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 9th | 98th |
| Total assets | $6.2B | $542.6M |
| Deposits / shares | $5.5B | $466.0M |
| Capital ratio | 9.06% | 15.38% (stronger) |
| Problem loans | 1.54% | 0.00% (stronger) |
| Net charge-offs | 0.20% | 0.06% (stronger) |
| Return on assets | 1.22% | 1.76% (stronger) |
| Loans ÷ deposits | 90.4% | 44.7% (stronger) |
| Uninsured deposits | 38.9% (stronger) | 39.6% |
| Offices | 27 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
First State Bank & Trust has the higher TellerScore (94 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First International Bank & Trust leads on 1 and First State Bank & Trust on 6. 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.