Side-by-side · Q2 2026 data
Western State Bank vs First International Bank & Trust
Bank
First International Bank & Trust
Watford City, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Western State Bank | First International Bank & Trust |
|---|---|---|
| TellerScore | 78 (stronger) | 52 |
| Capital cushion | 82 (stronger) | 41 |
| Loan quality | 70 (stronger) | 49 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 47 (stronger) | 43 |
| Problem-loan coverage | 89 (stronger) | 68 |
| Peer percentile | 86th | 9th |
| Total assets | $2.5B | $6.2B |
| Deposits / shares | $2.1B | $5.5B |
| Capital ratio | 13.19% (stronger) | 9.06% |
| Problem loans | 0.90% (stronger) | 1.54% |
| Net charge-offs | 0.28% | 0.20% (stronger) |
| Return on assets | 2.01% (stronger) | 1.22% |
| Loans ÷ deposits | 104.8% | 90.4% (stronger) |
| Uninsured deposits | 22.1% (stronger) | 38.9% |
| Offices | 10 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 5.8% |
Western State Bank has the higher TellerScore (78 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 5 and First International Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.