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100 North Main Street
Watford City, ND 58854

First International Bank & Trust is headquartered in Watford City and is the 3rd largest bank in the state of North Dakota. It is also the 413st largest bank in the nation. It was established in 1910 and as of March of 2014, it had grown to 395 employees at 22 locations. First International Bank & Trust has a B health rating.

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Reviews (1)

Best Bank Ever! Period.

Ever since I transferred all my accounts from my previous bank to this one I have been happy. I use to bank with a larger bank, and whenever I would call in all I would get is the computer. Not here. At First International I call and get a friendly voice willing to help me, and even though I don't have a lot of money they treat me like family. I would suggest this bank to anyone!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First International Bank & Trust had $26.12 million in non-current loans and owned real-estate with $140.74 million in equity and loan loss allowances on hand to cover it. This gives First International Bank & Trust a Texas Ratio of 18.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First International Bank & Trust decreased slightly from 21.73% as of March 31, 2013 to 18.56% as of March 31, 2014, resulting in a positive change of 14.61%.This indicates that the balance sheet and financial strength for First International Bank & Trust has improved slightly in recent periods.

Deposit Growth


In the past year, First International Bank & Trust has increased its total deposits by $340.96 million, resulting in 28.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First International Bank & Trust has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First International Bank & Trust has $1.7 billion in assets with $140.74 million in equity, resulting in a capitalization level of 8.28%, which is average.

Institution Statistics

FDIC Certificate #10248
Year Established1910
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.70 billion
Loans$1.14 billion
Deposits$1.56 billion
Equity Capital$127.92 million
Loan Loss Allowance$12.82 million
Unbacked Noncurrent Loans$3.09 million
Real Estate Owned$23.03 million
Historic Data - March 2013
Assets$1.35 billion
Equity Capital$112.67 million
Loan Loss Allowance$10.81 million
Unbacked Noncurrent Loans$3.09 million
Real Estate Owned$23.45 million
Profit Margin - Quarterly
Net Interest Margin4.56%
Return on Assets2.34%
Return on Equity31.73%
Interest Income$18.60 million
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First International Bank & Trust CD Rates

1.45%$100k-5 Year CD
1.40%$2,500-49 Month CD Special with Qualifying Relationship
0.75%$2,500-23 Month CD Special
0.35%$100k-2 Year CD
0.25%$100k-1 Year CD
0.20%$100k-6 Month CD

First International Bank & Trust IRA Rates

1.45%$100-5 Year IRA
0.45%$100-2 Year IRA
0.25%$100-1 Year IRA
0.20%$100-6 Month IRA

First International Bank & Trust has 22 locations. Click to view all First International Bank & Trust locations.