First International Bank and Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First International Bank and Trust is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, First International Bank and Trust reported $6.2B in total assets against $5.5B in deposits. Profitability tracks the broader industry: ROA 1.17%, ROE 13.79%, NIM 4.20%. Capital is comfortably above regulatory requirements, CET1 ratio of 10.68% sits well above the 7% level required once the capital conservation buffer is included. Asset quality merits closer attention with NPLs at 1.78%. Its footprint covers 28 branches concentrated in North Dakota.
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 1.78%, a Texas ratio of 18.24%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 N Main St, Watford City, ND 58854
- County
- Mckenzie
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 1, 1910
- Former names
- First International Bank & Trust (1992); First International Bank (1990-1992)
- Offices
- 28 domestic
- Employees (FTE)
- 620
- Domestic deposits
- $5.46B
- Allowance for credit losses
- $51.9M
- Net charge-offs (YTD)
- $4.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10248
- Fed RSSD
- 236153
- SEC CIK
- 1630880 → filed by WATFORD CITY BANCSHARES, INC.
- Website
- www.fibt.com →
- Parent Holding Company
- WATFORD CITY BANCSHARES, INC. (RSSD 1135048)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First International Bank and Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First International Bank and Trust, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First International Bank and Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.68% | 1.17% | 1.78% | 18.24% | 4.20% |
| Q1 2026 | 11.13% | 1.30% | 1.88% | 19.62% | 3.98% |
| Q4 2025 | 10.97% | 1.62% | 2.12% | 19.13% | 4.15% |
| Q3 2025 | 10.88% | 1.39% | 2.11% | 20.11% | 4.14% |
| Q2 2025 | 11.01% | 1.54% | 2.22% | 22.02% | 4.07% |
| Q1 2025 | 11.74% | 2.27% | 1.69% | 16.30% | 4.02% |
| Q4 2024 | 11.24% | 2.81% | 0.71% | 8.43% | 4.12% |
| Q3 2024 | 10.37% | 1.64% | 0.83% | 8.53% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 28 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First International Bank & Trust | Watford City , ND | 58854 | $928.4M |
| South Branch | Fargo , ND | 58103 | $791.6M |
| Minot Branch | Minot , ND | 58701 | $405.0M |
| First International Bank & Trust | Williston , ND | 58801 | $401.2M |
| West Fargo Branch | West Fargo , ND | 58078 | $370.1M |
| Bismarck Branch | Bismarck , ND | 58501 | $339.4M |
| First International Bank & Trust | Gilbert , AZ | 85234 | $302.0M |
| Camelback | Phoenix , AZ | 85016 | $264.7M |
| Southwest Fargo Branch | Fargo , ND | 58104 | $222.9M |
| Moorhead Branch | Moorhead , MN | 56560 | $152.7M |
| Killdeer Branch | Killdeer , ND | 58640 | $137.0M |
| Harvey Branch | Harvey , ND | 58341 | $126.2M |
| Staples Branch | Staples , MN | 56479 | $98.3M |
| Sioux Falls - Downtown Branch | Sioux Falls , SD | 57104 | $98.1M |
| Chandler Az Location | Chandler , AZ | 85226 | $91.3M |
| Rugby Branch | Rugby , ND | 58368 | $81.9M |
| North Hill Branch | Minot , ND | 58703 | $65.3M |
| Williston Branch | Williston , ND | 58801 | $63.8M |
| Arrowhead Branch | Minot , ND | 58701 | $62.2M |
| Fessenden Branch | Fessenden , ND | 58438 | $60.2M |
| Elgin Branch | Elgin , ND | 58533 | $59.5M |
| Watford City Fox Hills Branch | Watford City , ND | 58854 | $59.3M |
| Airpark Branch | Scottsdale , AZ | 85260 | $58.5M |
| Grand Forks Branch | Grand Forks , ND | 58201 | $57.9M |
| Edina, Mn Branch | Edina , MN | 55435 | $57.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 3, 2018 | M&A | merger | SEC |
| April 3, 2018 | Structure Change | Acquired Intercepteft Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2008 | M&A | failure_government_assistance_provided | SEC |
| May 31, 2008 | Structure Change | Acquired First Integrity Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 30, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 11, 2006 | M&A | merger | SEC |
| March 11, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 2006 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 2000 | M&A | merger | SEC |
| November 10, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2000 | Structure Change | Acquired First International Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 2, 1993 | M&A | merger | SEC |
| December 2, 1993 | Structure Change | Acquired First International Bank & Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 1990 | M&A | failure_government_assistance_provided | SEC |
| September 22, 1990 | Structure Change | Acquired Midwest Federal Savings Bank of Minot Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First International Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 10.1% of deposits in ND, rank 1 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First International Bank and Trust
What are First International Bank and Trust's total assets?
As of the Q2 2026 filing, First International Bank and Trust reported total assets of $6.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First International Bank and Trust headquartered?
First International Bank and Trust is headquartered in Watford City, ND, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First International Bank and Trust founded?
First International Bank and Trust was established in 1910, per the FDIC institution directory.
Is First International Bank and Trust FDIC-insured?
Yes. First International Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #10248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First International Bank and Trust?
First International Bank and Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First International Bank and Trust's CET1 capital ratio?
First International Bank and Trust reported a Common Equity Tier 1 (CET1) capital ratio of 10.68% in its Q2 2026 call report, above regulatory requirements.
How many branches does First International Bank and Trust operate?
First International Bank and Trust operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First International Bank and Trust's Texas Ratio?
First International Bank and Trust's Texas Ratio is 18.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First International Bank and Trust previously called?
The charter now named First International Bank and Trust has also operated as First International Bank & Trust (1992), First International Bank (1990-1992), per FDIC structure-change records.
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