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First International Bank & Trust

$1B-$10B Specialty: Commercial ND FDIC cert 10248

Watford City, ND

28 branches across ND · AZ · MN · SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
  • Deposits +13.7% year over year ($5.5B on the books).
  • Delinquency rate 1.55%.
  • Return on assets 1.22%.
  • Efficiency ratio 70.42% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.38% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in ND
View $1B-$10B leaderboard (ND) →

First International Bank & Trust has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 12.9% in tier
  • - Liquidity Strain: Bottom 33.2% in tier
  • - Cost Spiral: Bottom 64.5% in tier
  • - Delinquency Rate 0.69% above tier average
Get updates when First International Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $6.2B
+12.4% YoY +2.1% QoQ
+$3.4B $2.8B
-0.6% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
Top 9.2% in tier
Total Loans ? $4.9B
+9.4% YoY +4.2% QoQ
+$3.0B $2.0B
-0.3% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
Top 6.8% in tier
Total Deposits ? $5.5B
+13.7% YoY +2.3% QoQ
+$3.1B $2.3B
-0.5% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
Top 8.0% in tier
Return on Assets ? 1.22%
-36.1% YoY -4.4% QoQ
-0.17% 1.39%
+17.0% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 4.06%
-0.3% YoY +3.6% QoQ
+0.18% 3.87%
+6.2% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 70.42%
+8.3% YoY +3.6% QoQ
+10.69% 59.73%
-12.6% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 1.55%
-20.3% YoY -4.9% QoQ
+0.69% 0.87%
+11.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
15%
Loan-to-Deposit Ratio ? 90.38%
-3.8% YoY +1.8% QoQ
+5.35% 85.04%
-0.1% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 24.56%
+4.4% YoY +1.4% QoQ
+3.29% 21.27%
-1.5% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
70%
Nonperforming Asset Ratio ? 1.46%
-18.2% YoY -9.6% QoQ
+0.79% 0.67%
+11.7% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
Bottom 11.1% in tier
Tier 1 Capital Ratio ? 10.68%
-2.9% YoY -4.0% QoQ
-4.16% 14.84%
-0.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Bottom 13.0% in tier
Non-Interest Income / Assets ? 0.44%
-11.9% YoY +95.1% QoQ
-0.09% 0.53%
+2.5% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 24.6%
+1.0pp YoY
+0.3pp QoQ
 +3.2pp 21.4% 21.6% 22.2% 70%
Brokered Deposits 0.1%
+0.1pp YoY
+0.1pp QoQ
 -9.3pp 9.5% 6.0% 8.5% 6%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 23.4%
+0.3pp YoY
+0.3pp QoQ
 +9.4pp 14.0% 12.9% 12.5% 86%
CRE 45.9%
+1.6pp YoY
+0.1pp QoQ
 -4.1pp 50.0% 29.0% 41.4% 39%
1-4 Family 17.6%
-1.2pp YoY
-0.6pp QoQ
 -8.9pp 26.4% 12.3% 31.3% 37%
Consumer 1.3%
-0.2pp YoY
0.0pp QoQ
 -3.4pp 4.7% 4.5% 5.0% 53%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio 10.7%
-0.3pp YoY
-0.5pp QoQ
 -4.9pp 15.6% 15.3% 19.7% 5%
Leverage Ratio 9.1%
-0.3pp YoY
-0.3pp QoQ
 -2.3pp 11.3% 10.7% 12.6% 13%
Total Capital Ratio 11.7%
-0.3pp YoY
-0.4pp QoQ
 -5.0pp 16.7% 16.3% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 620
+15 (+2.5%) YoY
-5 (-0.8%) QoQ
 +306 313 138 482 90%
Assets per Employee ($) $10.0M
+9.6% YoY
+2.9% QoQ
 -$521K $10.5M $8.3M $8.8M 65%
Branch Count 28
0 YoY
0 QoQ
 +8 20 7 18 80%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.5% 0.4% 9%
Nonaccrual 1.6%
-0.4pp YoY
-0.1pp QoQ
 +0.7pp 0.8% 0.7% 1.0% 87%
Allowance Coverage 0.68x
+24.4% YoY
+4.6% QoQ
 -18.03x 18.71x 73.79x 20.23x 11%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 14.5%
-8.2pp YoY
-0.6pp QoQ
 +1.9pp 12.6% 16.0% 11.6% 68%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.9% 1.7% 1.7% 45%
Net Income ($, YTD) $37.3M
-28.5% YoY
— QoQ
 +$18.1M $19.2M $7.0M $40.4M 87%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Margin Compression

decline
#12 of 85 • Bottom 12.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.22%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ

Liquidity Strain

risk
#121 of 361 • Bottom 33.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.38%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Cost Spiral

risk
#21 of 31 • Bottom 64.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 70.42%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

61
Total Loans
size
Value: $4.94B
Peer Median: $1.96B
#61 of 885 Top 6.8% in $1B-$10B
72
Total Deposits
size
Value: $5.46B
Peer Median: $2.32B
#72 of 885 Top 8.0% in $1B-$10B
82
Total Assets
size
Value: $6.18B
Peer Median: $2.79B
#82 of 885 Top 9.2% in $1B-$10B

Top Weaknesses (4 metrics)

788
Nonperforming Asset Ratio
credit_quality
Value: 1.46%
Peer Median: 0.67%
#788 of 885 Bottom 11.1% in $1B-$10B
771
Tier 1 Capital Ratio
capital
Value: 10.68%
Peer Median: 14.84%
#771 of 885 Bottom 13.0% in $1B-$10B
750
Delinquency Rate
credit_quality
Value: 1.55%
Peer Median: 0.87%
#750 of 882 Bottom 15.1% in $1B-$10B
706
Efficiency Ratio
profitability
Value: 70.42%
Peer Median: 59.73%
#706 of 885 Bottom 20.3% in $1B-$10B
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