First International Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First International Bank and Trust of Watford City, ND against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.17% | 1.46% | -0.29% | 42nd below |
| ROAE | 13.79% | 12.71% | +1.08% | 61st above |
| Net Interest Margin | 4.20% | 3.85% | +0.35% | 79th top |
| Efficiency Ratio | 72.05% | 57.37% | +14.68% | 17th bottom |
| PPNR / Avg Assets | 1.30% | 1.88% | -0.58% | 27th below |
| Yield on Earning Assets | 6.02% | 5.72% | +0.30% | 77th top |
| Cost of Funds | 1.95% | 2.02% | -0.07% | 54th above |
| Net Interest Spread | 3.51% | 3.18% | +0.33% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.78% | 1.00% | +0.78% | 13th bottom |
| NPA / Total Assets | 1.66% | 0.76% | +0.90% | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 39th below |
| ACL / Total Loans | 1.04% | 1.31% | -0.27% | 35th below |
| ACL / NPLs (Coverage) | 58.31% | 544.54% | -486.23% | 12th bottom |
| Texas Ratio | 18.24% | 7.36% | +10.88% | 8th bottom |
| Provision / NCO | 102.43% | 620.06% | -517.63% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.68% | 17.36% | -6.68% | 5th bottom |
| Tier 1 Ratio | 10.68% | 17.39% | -6.71% | 5th bottom |
| Total Capital Ratio | 11.71% | 18.44% | -6.73% | 6th bottom |
| Leverage Ratio | 9.06% | 11.44% | -2.38% | 13th bottom |
| Equity / Assets | 8.38% | 11.34% | -2.96% | 11th bottom |
| TCE / Tangible Assets | 8.29% | 10.51% | -2.22% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.33% | 86.94% | +4.39% | 40th below |
| Core Deposit Ratio | 92.17% | 85.54% | +6.63% | 70th above |
| Uninsured Deposit Ratio | 38.89% | 33.11% | +5.78% | 30th below |
| Wholesale Funding Ratio | 2.35% | 5.71% | -3.36% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.36% | 9.67% | +2.69% | 82nd top |
| Loan Growth (Y/Y) | 9.35% | 8.05% | +1.30% | 72nd above |
| Deposit Growth (Y/Y) | 13.67% | 7.86% | +5.81% | 84th top |
See First International Bank and Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First International Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First International Bank and Trust profile, how to read a UBPR, or how this data updates.