Side-by-side · Q2 2026 data
First International Bank & Trust vs Gate City Bank
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First International Bank & Trust | Gate City Bank |
|---|---|---|
| TellerScore | 52 | 65 (stronger) |
| Capital cushion | 41 | 48 (stronger) |
| Loan quality | 49 | 77 (stronger) |
| Earnings | 69 (stronger) | 54 |
| Funding & liquidity | 43 | 78 (stronger) |
| Problem-loan coverage | 68 | 89 (stronger) |
| Peer percentile | 9th | 36th |
| Total assets | $6.2B | $4.0B |
| Deposits / shares | $5.5B | $3.6B |
| Capital ratio | 9.06% | 9.85% (stronger) |
| Problem loans | 1.54% | 0.69% (stronger) |
| Net charge-offs | 0.20% | 0.16% (stronger) |
| Return on assets | 1.22% (stronger) | 0.85% |
| Loans ÷ deposits | 90.4% | 82.5% (stronger) |
| Uninsured deposits | 38.9% | 10.9% (stronger) |
| Offices | 27 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Gate City Bank has the higher TellerScore (65 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First International Bank & Trust leads on 1 and Gate City Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.