First International Bank and Trust
Watford City, ND · Cert 10248 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Watford City Bancshares Inc.
State charter, non-member · FDIC · 28 branches
Q2 2026
$6.2BAssets
$5.0BLoans
$5.5BDeposits
$517.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 69% of banks $1B-$10B in assets operating regionally (rank 54 of 176).
- Widest gap: equity / assets trails 87% of banks $1B-$10B in assets operating regionally (rank 154 of 176).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.95%
Rank 128 of 176
Net Interest Margin
3.83%
Rank 54 of 176
Efficiency Ratio
70.97%
Rank 146 of 176
Equity / Assets
8.38%
Rank 154 of 176
Non-interest income vs. expense
Unfavorable gap of $150.4M · efficiency ratio beats 18% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.93% | 1.26% | 1.54% | Beats 27% | 128 / 176 | |
| Return on Equity | 11.37% | 9.26% | 11.89% | 14.46% | Beats 45% | 96 / 176 | |
| Net Interest Margin | 3.83% | 3.25% | 3.59% | 3.93% | Beats 69% | 54 / 176 | |
| Efficiency Ratio | 70.97% | 52.79% | 59.55% | 67.66% | Beats 18% | 146 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.30% | 0.64% | 1.32% | Beats 15% | 150 / 176 | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.04% | 0.10% | Beats 21% | 140 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 10.68% | 11.15% | 12.72% | 14.15% | Beats 19% | 143 / 176 | |
| Total Risk-Based Capital Ratio | 11.71% | 11.81% | 13.63% | 15.33% | Beats 23% | 136 / 176 | |
| Equity / Assets | 8.38% | 9.16% | 10.35% | 11.80% | Beats 13% | 154 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 91.33% | 80.94% | 89.73% | 97.21% | 56th pctl | 77 / 176 | |
| Loans / Assets | 80.78% | 69.25% | 75.12% | 80.82% | 74th pctl | 46 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |