First International Bank & Trust
Total assets
$6.18B
▲ +12.4% YoY
Deposits
$5.46B
▲ +13.7% YoY
Loans
$4.94B
▲ +9.4% YoY
Offices
28
WATFORD CITY BANCSHARES INC
ROA (annualized)
1.22%
peers 1.26%
ROE (annualized)
14.47%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +5.5% | +6.9 pts |
| Deposit growth (YoY) | +13.7% | +5.1% | +8.6 pts |
| Loan growth (YoY) | +9.4% | +5.9% | +3.4 pts |
| ROA | 1.22% | 1.26% | -0.0 pts |
| ROE | 14.5% | 12.2% | +2.3 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
Profile
- Established
- 1910
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- WATFORD CITY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 100 N Main St, Watford City, ND, 58854
- County
- Mckenzie
- Offices
- 28
- FDIC cert #
- 10248
- RSSD ID
- 236153
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.18B | $5.46B | $4.94B | $517.7M | $37.3M | 1.22% | 4.06% | 1.46% |
| Q1 2026 | $6.05B | $5.34B | $4.74B | $519.8M | $19.5M | 1.27% | 3.91% | 1.62% |
| Q4 2025 | $6.16B | $5.46B | $4.68B | $510.9M | $95.8M | 1.69% | 4.10% | 1.52% |
| Q3 2025 | $5.68B | $5.00B | $4.60B | $485.6M | $72.1M | 1.74% | 4.12% | 1.64% |
| Q2 2025 | $5.50B | $4.80B | $4.51B | $466.9M | $52.2M | 1.91% | 4.07% | 1.79% |
| Q1 2025 | $5.47B | $4.86B | $4.32B | $473.4M | $30.9M | 2.27% | 4.02% | 1.28% |
| Q4 2024 | $5.45B | $4.86B | $4.34B | $445.5M | $101.3M | 1.91% | 3.94% | 0.48% |
| Q3 2024 | $5.38B | $4.78B | $4.40B | $424.6M | $62.9M | 1.59% | 3.87% | 0.50% |
Loan mix (Q2 2026): real estate $3.42B · commercial $1.16B · consumer $66.6M · securities $606.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.26% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.70% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 59.0% | 80th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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