First International Bank and Trust

First International Bank and Trust operates with a thinner capital cushion than most banks of its size. The Watford City, North Dakota bank had $6.2 billion in assets at June 30, 2026, up 12.4% from a year earlier. It holds common equity equal to 10.68% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 16.0% of the capital and reserves that would absorb them, 4.5 times the median of 3.6% for banks its size. It has also been growing, with assets up 12.4% in a year.

Its $763 million non-owner-occupied commercial real estate book is improving, with 3.99% past due or on nonaccrual, down from 8.47% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.54% of loans, down from 1.93% a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).

As of June 30, 2026, First International Bank and Trust reported a CET1 capital ratio of 10.68%, a return on assets of 1.17%, a nonperforming-loan ratio of 1.54% and a Texas ratio of 16.05%. The figures come from its call report filed with the FFIEC.