FIRST INTERNATIONAL BANK AND TRUST

WATFORD CITY, ND | Large | Est. May 1, 1910, midnight | FDIC #10248 | RSSD #236153 | FDIC
Latest Report: 2025-12-31

FIRST INTERNATIONAL BANK AND TRUST is aln large FDIC-insured commercial bank headquartered in WATFORD CITY, ND, established in May 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $6.2B and total deposits of $5.5B. Profitability stands at 1.60% ROA and 19.03% ROE, with a net interest margin of 4.22%. The bank's CET1 capital ratio is 10.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.84% and a Texas Ratio of 16.62%. FDIC Certificate #10248.

Assets

$6.2B

Deposits

$5.5B

Loans

$4.7B

Equity

$511M

Profitability

Return on Assets (ROA) 1.60%
Return on Equity (ROE) 19.03%
Net Interest Margin (NIM) 4.22%
Yield on Assets 6.13%
Cost of Funds 3.44%

Asset Quality

NPL Ratio 1.84%
Net Charge-Off Ratio 0.04%
Texas Ratio 16.62%
NPA Ratio 1.52%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 10.97%
Tier 1 Capital 10.97%
Total Capital Ratio 12.05%
Leverage Ratio 9.29%
Loan-to-Deposit 86.69%

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