First International Bank and Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 15.82 percentage points in Q2 2026, from 258.15% to 273.98%. It was the largest change from Q1 2026 among the key lines here. First International Bank and Trust ranks 14th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 91.33% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First International Bank and Trust sits 3.13 points higher, at 91.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.99B |
| Net loans and leases | $4.94B |
| Loans held for sale | $28.9M |
| Loans to total assets | 80.78% |
| Loan-to-deposit ratio | 91.33% |
| Net loans to equity capital | 9.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.55% |
| Multifamily (5+ residential) | 7.21% |
| Commercial and industrial | 23.16% |
| Consumer | 1.34% |
| Credit cards | 0.31% |
| Farm | 5.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.98% |
| Construction concentration (Tier 1 capital + allowance) | 88.30% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.55% |
| Interest income on loans | $80.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.22B | $4.32B | 27.26% | 21.12% | 2.00% |
| Q4 2023 | $4.29B | $4.52B | 26.91% | 22.00% | 1.91% |
| Q1 2024 | $4.31B | $4.63B | 26.66% | 21.49% | 1.85% |
| Q2 2024 | $4.44B | $4.84B | 25.77% | 21.74% | 1.82% |
| Q3 2024 | $4.44B | $4.78B | 26.14% | 21.40% | 1.70% |
| Q4 2024 | $4.39B | $4.86B | 27.46% | 20.98% | 1.61% |
| Q1 2025 | $4.36B | $4.86B | 28.34% | 21.59% | 1.58% |
| Q2 2025 | $4.56B | $4.80B | 27.54% | 22.84% | 1.51% |
| Q3 2025 | $4.65B | $5.00B | 28.26% | 22.28% | 1.41% |
| Q4 2025 | $4.73B | $5.46B | 28.45% | 22.28% | 1.36% |
| Q1 2026 | $4.79B | $5.34B | 27.54% | 22.82% | 1.33% |
| Q2 2026 | $4.99B | $5.46B | 27.55% | 23.16% | 1.34% |
First International Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First International Bank and Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First International Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10248) · FFIEC NIC profile (RSSD 236153)