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First International Bank & Trust
Watford City, ND · FDIC Certificate #10248 · Chartered 05/0
Total assets
$6.18B
Total deposits
$5.46B
Total equity
$517.71M
Net loans
$4.94B
Branches (offices)
28
Net income (YTD)
$37.34M
Rank: #243 of 4,213 U.S. banks by assets · #3 of 60 in North Dakota. Assets changed 12.4% and deposits 13.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 14.47% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 8.38% |
| Tier 1 leverage ratio | 9.06% |
| Uninsured deposits (share of deposits) | 38.9% |
| Noncurrent loans (share of loans) | 1.54% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 90.4% |
| Real estate loans (share of loans) | 69.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.42B | 69.4% | |
| Commercial & industrial | $1.16B | 23.4% | |
| Consumer / individual | $66.63M | 1.3% | |
| Construction & development | $534.06M | 10.8% | |
| Agricultural | $287.11M | 5.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $5.06B | $4.66B | $37.07M | $336.61M |
| Jun 2023 | $5.00B | $4.29B | $37.52M | $355.33M |
| Jun 2024 | $5.40B | $4.84B | $40.43M | $392.71M |
| Jun 2025 | $5.50B | $4.80B | $52.24M | $466.95M |
| Jun 2026 | $6.18B | $5.46B | $37.34M | $517.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $4.32B | 19 |
| Arizona | $716.56M | 4 |
| Minnesota | $328.55M | 4 |
| South Dakota | $98.12M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.46B.
Similar-sized banks
Mercantile Bank ($6.24B) · First Financial Bank, National Association ($6.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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