What is First International Bank & Trust's financial health grade?

First International Bank & Trust has a TFS Financial Health Grade of C (score: 73.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First International Bank & Trust have?

First International Bank & Trust has 28 branch locations across the United States.

Is First International Bank & Trust FDIC insured?

Yes, First International Bank & Trust is FDIC insured (Certificate #10248).

What are the total assets of First International Bank & Trust?

First International Bank & Trust has total assets of $6.2B as reported in its most recent FDIC filing.

First International Bank & Trust

BankWatford City, North Dakota

www.fibt.com

Total Assets

$6.2B

Total Deposits

$5.5B

Branches

Established

1910

TFS Health Grade

73.0 / 100

Average financial health

How we grade

First International Bank & Trust is a bank headquartered in Watford City, North Dakota, established in 1910. With $6.2B in total assets and 28 branch locations, it has a TFS Financial Health Grade of C (73.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.29%(8%)

Total Capital Ratio

12.05%(10%)

Non-Performing Loan Ratio

1.85%

Profitability

Return on Assets (ROA)

1.69%(1%)

Return on Equity (ROE)

20.10%(10%)

Net Interest Margin

4.10%

Efficiency Ratio

65.93%(60%)

Lending & Liquidity

Total Loans

$4.7B

Loan-to-Deposit Ratio

85.75%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

+12.98%

Deposit Growth (YoY)

+12.32%

Net Income

$95.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First International Bank & TrustHQ	100 N Main St	Watford City	ND	11
First International Bank & Trust	6025 W Chandler Blvd	Chandler	AZ	11
First International Bank & Trust	1628 N Higley Rd	Gilbert	AZ	11
First International Bank & Trust	2231 E Camelback Rd	Phoenix	AZ	11
First International Bank & Trust	7900 E Raintree Dr	Scottsdale	AZ	11
First International Bank & Trust	3600 Minnesota Dr	Edina	MN	11
First International Bank & Trust	865 37th Ave S	Moorhead	MN	11
First International Bank & Trust	Highway 10 And Beaulieu Street	Motley	MN	23
First International Bank & Trust	111 4th St Ne	Staples	MN	11
First International Bank & Trust	616 Oak Street	Alexander	ND	11
First International Bank & Trust	1601 N 12th St	Bismarck	ND	11
First International Bank & Trust	204 N Main St	Elgin	ND	11
First International Bank & Trust	4501 40th Ave S	Fargo	ND	11
First International Bank & Trust	3001 25th St S	Fargo	ND	11
First International Bank & Trust	78 Main Ave S	Fessenden	ND	11
First International Bank & Trust	1970 S Columbia Rd	Grand Forks	ND	11
First International Bank & Trust	910 Lincoln Ave	Harvey	ND	11
First International Bank & Trust	Central And High Streets	Killdeer	ND	11
First International Bank & Trust	4530 Memorial Hwy	Mandan	ND	11
First International Bank & Trust	1600 S Broadway	Minot	ND	11
First International Bank & Trust	2150 21st Ave Nw	Minot	ND	11
First International Bank & Trust	150 16th St Sw	Minot	ND	11
First International Bank & Trust	215 Highway 2 Sw	Rugby	ND	11
First International Bank & Trust	313 Fox Hills Parkway North	Watford City	ND	11
First International Bank & Trust	1350 13th Ave E	West Fargo	ND	11
First International Bank & Trust	19 4th St E	Williston	ND	11
First International Bank & Trust	1331 9th Ave W	Williston	ND	11
First International Bank & Trust	601 S Minnesota Ave	Sioux Falls	SD	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.