First International Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2.64 percentage points in Q2 2026, from 55.67% to 58.31%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, First International Bank and Trust is 43rd of 60 on return on assets, 1.17% as of Q2 2026, below the middle of the field. First International Bank and Trust reported 1.17% on return on assets for Q2 2026, 0.11 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.68% |
| Tier 1 risk-based capital ratio | 10.68% |
| Total risk-based capital ratio | 11.71% |
| Tier 1 leverage ratio | 9.06% |
| Equity capital to assets | 8.38% |
| Tangible equity to tangible assets | 8.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.78% |
| Non-performing assets ratio | 1.66% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 18.24% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 58.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 13.79% |
| Net interest margin | 4.20% |
| Efficiency ratio | 72.05% |
| Yield on earning assets | 6.02% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.33% |
| Core deposits to total deposits | 92.17% |
| Brokered deposits to total deposits | 0.12% |
| Deposits to assets | 88.44% |
| Securities to assets | 9.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.87% | 9.87% | 10.95% | 8.46% | 1.47% |
| Q4 2023 | 9.93% | 9.93% | 10.99% | 8.54% | 1.70% |
| Q1 2024 | 10.19% | 10.19% | 11.28% | 8.63% | 1.48% |
| Q2 2024 | 10.04% | 10.04% | 11.08% | 8.46% | 1.59% |
| Q3 2024 | 10.37% | 10.37% | 11.37% | 8.51% | 1.64% |
| Q4 2024 | 11.24% | 11.24% | 12.28% | 9.17% | 2.81% |
| Q1 2025 | 11.74% | 11.74% | 12.80% | 9.64% | 2.27% |
| Q2 2025 | 11.01% | 11.01% | 12.06% | 9.31% | 1.54% |
| Q3 2025 | 10.88% | 10.88% | 11.92% | 9.17% | 1.39% |
| Q4 2025 | 10.97% | 10.97% | 12.05% | 9.29% | 1.62% |
| Q1 2026 | 11.13% | 11.13% | 12.16% | 9.32% | 1.30% |
| Q2 2026 | 10.68% | 10.68% | 11.71% | 9.06% | 1.17% |
First International Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First International Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)