ND lenders / Community Bank
First International Bank & Trust
Community Bank · Watford City, ND · Watford City Bancshares Inc
- Total assets
- $6.0B
- CRE loan book
- $2.2B
- QoQ CRE growth
- 0.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.93% as of Q1 2026 — TX bank median 4.87% (1.07pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.93% | 6.29% |
| Q4 2025 | 6.07% | 6.55% |
| Q3 2025 | 6.11% | 6.57% |
| Q2 2025 | 5.87% | 6.41% |
| Q1 2025 | 5.86% | 6.37% |
| Q4 2024 | 6.08% | 6.56% |
| Q3 2024 | 6.01% | 6.58% |
| Q2 2024 | 5.87% | 6.52% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $2.2B | $497.4M | $356.5M | 258% | $42.1M |
| Q4 2025 | $2.2B | $430.9M | $386.8M | 263% | $59.4M |
| Q3 2025 | $2.1B | $420.7M | $370.7M | 268% | $63.9M |
| Q2 2025 | $2.0B | $380.9M | $366.5M | 257% | $62.8M |
| Q1 2025 | $2.0B | $409.8M | $314.0M | 246% | $38.2M |
| Q4 2024 | $2.0B | $515.1M | $294.1M | 267% | $6.7M |
| Q3 2024 | $2.0B | $567.6M | $319.0M | 301% | $15.7M |
| Q2 2024 | $2.1B | $632.8M | $291.5M | 315% | $20.5M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Camden National BankCommunity Bank · Camden · $2.2B CRE book
- State Bank of TexasCommunity Bank · Irving · $2.2B CRE book
- The Farmers National Bank of CanfieldCommunity Bank · Canfield · $2.1B CRE book
- The Fidelity BankCommunity Bank · Fuquay Varina · $2.1B CRE book
- California Bank of Commerce, National AssociationCommunity Bank · San Diego · $2.3B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.