BlastPoint's Banking Scorecard
First International Bank & Trust
Mid-Market
Specialty: Commercial
ND
FDIC cert 10248
Watford City, ND
201
banks in Mid-Market tier nationally
4 in ND
View Mid-Market leaderboard (ND) →
First International Bank & Trust faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.18% above tier
- - Nonperforming Asset Ratio 1.02% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.2B
+13.0% YoY
+8.5% QoQ
|
-$4.3B |
$10.5B
+2.9% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$4.7B
+7.8% YoY
+1.6% QoQ
|
-$2.5B |
$7.1B
+4.5% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$5.5B
+12.3% YoY
+9.1% QoQ
|
-$3.1B |
$8.5B
+3.0% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
1.69%
-11.1% YoY
-2.6% QoQ
|
+0.53% |
1.16%
+9.4% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
4.10%
+3.8% YoY
-0.5% QoQ
|
+0.70% |
3.40%
+7.9% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
65.93%
-0.6% YoY
+0.4% QoQ
|
+9.33% |
56.60%
-3.2% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
1.87%
+383.5% YoY
+0.6% QoQ
|
+1.18% |
0.68%
+12.0% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
85.74%
-4.1% YoY
-6.9% QoQ
|
+0.27% |
85.47%
+1.1% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
29.96%
+11.7% YoY
+18.9% QoQ
|
+9.32% |
20.64%
-0.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.52%
+213.4% YoY
-7.5% QoQ
|
+1.02% |
0.50%
+7.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
10.97%
-2.3% YoY
+0.9% QoQ
|
-2.58% |
13.55%
+1.8% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
Bottom 14% in tier |
| Non-Interest Income / Assets ? |
0.89%
-18.6% YoY
+20.7% QoQ
|
-0.07% |
0.96%
+7.1% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
1.87%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
1.52%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.96% · Tier avg: 20.64%
81
81th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.40%
72
72th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.96%
55
55th pctile
Loan-to-Deposit Ratio
Current: 85.74% · Tier avg: 85.47%
31
31th pctile
Total Loans
Current: $4.7B · Tier avg: $7.1B
30
30th pctile
Total Deposits
Current: $5.5B · Tier avg: $8.5B
21
21th pctile
Total Assets
Current: $6.2B · Tier avg: $10.5B
20
20th pctile
Efficiency Ratio
Current: 65.93% · Tier avg: 56.60%
14
14th pctile
Tier 1 Capital Ratio
Current: 10.97% · Tier avg: 13.55%
7
7th pctile
Delinquency Rate
Current: 1.87% · Tier avg: 0.68%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.52% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.52% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 1.87% · Tier avg: 0.68%
14
14th pctile
Tier 1 Capital Ratio
Current: 10.97% · Tier avg: 13.55%
20
20th pctile
Efficiency Ratio
Current: 65.93% · Tier avg: 56.60%
21
21th pctile
Total Assets
Current: $6.2B · Tier avg: $10.5B
30
30th pctile
Total Deposits
Current: $5.5B · Tier avg: $8.5B
31
31th pctile
Total Loans
Current: $4.7B · Tier avg: $7.1B
55
55th pctile
Loan-to-Deposit Ratio
Current: 85.74% · Tier avg: 85.47%
72
72th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.96%
81
81th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.40%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.96% · Tier avg: 20.64%
85
85th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%