BanksFIRST INTERNATIONAL BANK AND TRUST

FIRST INTERNATIONAL BANK AND TRUST

WATFORD CITY, NDLargeEst. May 1, 1910, midnightFDIC #10248RSSD #236153FDIC
Latest · 2025-12-31

FIRST INTERNATIONAL BANK AND TRUST is an 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%. CET1 capital ratio: 10.97%, well above regulatory minimums. NPL ratio: 1.84% · Texas Ratio: 16.62%. Operates 28 domestic branches.

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 Margin4.22%
Yield on Assets6.13%
Cost of Funds1.94%

Asset Quality

NPL Ratio1.84%
Net Charge-Off Ratio0.04%
Texas Ratio16.62%
NPA Ratio1.52%
ACL / Loans1.09%

Capital & Liquidity

CET1 Ratio10.97%
Tier 1 Capital10.97%
Total Capital Ratio12.05%
Leverage Ratio9.29%
Loan-to-Deposit86.69%

This is just the summary.

The full dashboard covers 4,287 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required