Side-by-side · Q2 2026 data
First State Bank of Harvey vs First International Bank & Trust
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First State Bank of Harvey | First International Bank & Trust |
|---|---|---|
| TellerScore | 68 (stronger) | 52 |
| Capital cushion | 54 (stronger) | 41 |
| Loan quality | 62 (stronger) | 49 |
| Earnings | 60 | 69 (stronger) |
| Funding & liquidity | 100 (stronger) | 43 |
| Problem-loan coverage | 91 (stronger) | 68 |
| Peer percentile | 33rd | 9th |
| Total assets | $94.6M | $6.2B |
| Deposits / shares | $84.6M | $5.5B |
| Capital ratio | 10.40% (stronger) | 9.06% |
| Problem loans | 1.14% (stronger) | 1.54% |
| Net charge-offs | 0.21% | 0.20% (stronger) |
| Return on assets | 1.00% | 1.22% (stronger) |
| Loans ÷ deposits | 41.2% (stronger) | 90.4% |
| Uninsured deposits | 10.9% (stronger) | 38.9% |
| Offices | 2 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
First State Bank of Harvey has the higher TellerScore (68 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Harvey leads on 5 and First International Bank & Trust on 2. 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
- Harvey, ND