BlastPoint's Banking Scorecard
First International Bank & Trust
Watford City, ND
28 branches across ND · AZ · MN · SD
First International Bank & Trust has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11.9% in tier
- - Nonperforming Asset Ratio 0.94% above tier average
- - Efficiency Ratio 6.93% above tier average
- - Delinquency Rate 0.74% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.0B
+10.5% YoY
-1.8% QoQ
|
+$3.2B |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 10.3% in tier |
| Total Loans ? |
$4.7B
+9.8% YoY
+1.3% QoQ
|
+$2.8B |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
Top 8.0% in tier |
| Total Deposits ? |
$5.3B
+9.7% YoY
-2.2% QoQ
|
+$3.0B |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Top 9.3% in tier |
| Return on Assets ? |
1.27%
-43.7% YoY
-24.7% QoQ
|
-0.09% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.91%
-2.7% YoY
-4.4% QoQ
|
+0.10% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
67.99%
+5.1% YoY
+3.1% QoQ
|
+6.93% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
1.63%
+16.9% YoY
-12.5% QoQ
|
+0.74% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.4% in tier |
| Loan-to-Deposit Ratio ? |
88.79%
+0.1% YoY
+3.5% QoQ
|
+4.58% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
24.22%
+0.7% YoY
-19.1% QoQ
|
+2.93% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
1.62%
+26.8% YoY
+6.7% QoQ
|
+0.94% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.7% in tier |
| Tier 1 Capital Ratio ? |
11.13%
-5.2% YoY
+1.5% QoQ
|
-4.03% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.22%
-10.4% YoY
-74.8% QoQ
|
-0.03% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.