First International Bank & Trust: how it compares with its peers
Against 278 U.S. banks with half to twice its assets, First International Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.06% vs. a 3.68% peer median). Its weakest relative measure is efficiency ratio (70.42% vs. 54.98%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 1.34% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 3.68% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.42% | 54.98% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $9.8M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.38% | 88.60% | Context |
What it means for lending operations
Its efficiency ratio of 70.42% is above the 54.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Financial Bank, National Association Terre Haute, IN · $6.17B
- Middlesex Savings Bank Natick, MA · $6.15B
- Shore United Bank, National Association Easton, MD · $6.15B
- CFG Bank Lutherville, MD · $6.12B
- Mercantile Bank Grand Rapids, MI · $6.24B
- SmartBank Pigeon Forge, TN · $6.11B
Questions about First International Bank & Trust
How big is First International Bank & Trust?
First International Bank & Trust, established in 1910, is headquartered in Watford City, ND. It reported $6.18B in total assets in its Q2 2026 FDIC call report and operates 28 offices.
What is First International Bank & Trust's return on assets?
1.22% annualized in Q2 2026, against a 1.34% median for 278 U.S. banks with half to twice its assets, ahead of 36% of them.
What is First International Bank & Trust's efficiency ratio?
70.42% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 54.98%, and lower is better.
Is First International Bank & Trust growing its loans?
Net loans grew 9.4% over the year to Q2 2026, while deposits grew 13.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.