Side-by-side · Q2 2026 data
Merchants Bank vs First International Bank & Trust
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Merchants Bank | First International Bank & Trust |
|---|---|---|
| TellerScore | 65 (stronger) | 52 |
| Capital cushion | 56 (stronger) | 41 |
| Loan quality | 58 (stronger) | 49 |
| Earnings | 80 (stronger) | 69 |
| Funding & liquidity | 65 (stronger) | 43 |
| Problem-loan coverage | 83 (stronger) | 68 |
| Peer percentile | 29th | 9th |
| Total assets | $254.3M | $6.2B |
| Deposits / shares | $223.4M | $5.5B |
| Capital ratio | 10.56% (stronger) | 9.06% |
| Problem loans | 1.25% (stronger) | 1.54% |
| Net charge-offs | 0.08% (stronger) | 0.20% |
| Return on assets | 1.50% (stronger) | 1.22% |
| Loans ÷ deposits | 84.3% (stronger) | 90.4% |
| Uninsured deposits | 24.9% (stronger) | 38.9% |
| Offices | 4 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Merchants Bank has the higher TellerScore (65 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 7 and First International Bank & Trust on 0. 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
- Rugby, ND