Side-by-side · Q2 2026 data
First International Bank & Trust vs Western Cooperative
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First International Bank & Trust | Western Cooperative |
|---|---|---|
| TellerScore | 52 | 64 (stronger) |
| Capital cushion | 41 | 92 (stronger) |
| Loan quality | 49 (stronger) | 0 |
| Earnings | 69 | 71 (stronger) |
| Funding & liquidity | 43 | 95 (stronger) |
| Problem-loan coverage | 68 | 80 (stronger) |
| Peer percentile | 9th | 31st |
| Total assets | $6.2B | $522.2M |
| Deposits / shares | $5.5B | $452.5M |
| Capital ratio | 9.06% | 14.20% (stronger) |
| Problem loans | 1.54% (stronger) | 3.17% |
| Net charge-offs | 0.20% | 0.05% (stronger) |
| Return on assets | 1.22% | 1.27% (stronger) |
| Loans ÷ deposits | 90.4% | 52.6% (stronger) |
| Uninsured deposits | 38.9% | 19.6% (stronger) |
| Offices | 27 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Western Cooperative has the higher TellerScore (64 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First International Bank & Trust leads on 1 and Western Cooperative 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.