First International Bank & Trust
Watford City, ND
IDRSSD: 236153
Total Assets
$6.16B
Latest filing
Total Deposits
$5.46B
Latest filing
Net Interest Margin
4.12%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First International Bank & Trust
100 N Main St
Watford City, ND 58854
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1910FDIC Certificate 6569
Branches (27)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| First International Bank & Trust (Main) | 100 N Main St | Watford City, ND |
| SOUTH BRANCH | 3001 25th St S | Fargo, ND |
| ALEXANDER BRANCH | 616 Oak Street | Alexander, ND |
| MINOT BRANCH | 1600 S Broadway | Minot, ND |
| MOTLEY BRANCH | Highway 10 And Beaulieu Street | Motley, MN |
| FESSENDEN BRANCH | 78 Main Ave S | Fessenden, ND |
| WILLISTON BRANCH | 19 4th St E | Williston, ND |
| HARVEY BRANCH | 910 Lincoln Ave | Harvey, ND |
Showing 7 of 27
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/1910 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 58854 |
| State and County Number | 38053 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 614 |
| Domestic Offices | 28 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fibt.com |
| Data Updated | 01/30/2026 |
| CERT | 10248 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.16B |
| Total Deposits | $5.46B |
| Total Liabilities | $5.65B |
| Total Equity Capital | $510.93M |
| Net Income | $23.70M |
| Net Loans and Leases | $4.68B |
| Assets Per Employee ($Millions) | $9.99M |
| Bank Premises and Fixed Assets | $151.85M |
| Cash and Balances due from Depository Institutions | $591.04M |
| Deposits Held in Domestic Offices | $5.46B |
Key Performance Ratios
| Return on Assets (ROA) | 1.6% |
| Return on Equity (ROE) | 19.03% |
| Net Interest Margin | 4.12% |
| Efficiency Ratio | 66.74% |
| Tier 1 Risk-Based Capital Ratio | 10.974% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.293% |
| Earning Assets to total Assets | 94.28% |
Income and Expense
| Total Interest Income | $83.46M |
| Total Noninterest Income | $12.89M |
| Total Interest Expense | $26.01M |
| Total Noninterest Expense | $47.35M |
| Net Interest Income | $57.45M |
| Pre-tax Net Operating Income | $20.84M |
| Provision for Credit Losses | $2.15M |
| Discontinued Operations (Extraordinary Gains - Net) | $2.77M |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $6.25M |
| Other borrowed funds | $145.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $48.24M |
| Total Liabilities and Capital | $6.16B |
Securities
| Securities | $597.55M |
| Available-for-sale debt securities | $595.98M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $525.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.54M |
| Trading Liabilities | $1.54M |
Frequently Asked Questions
What are the total assets of First International Bank & Trust?
$6.16B as of the latest filing.
How much are First International Bank & Trust's total deposits?
$5.46B in total deposits.
Where is First International Bank & Trust located?
Watford City, ND.
What is the Net Interest Margin?
4.12%.
How many domestic offices does it operate?
28.
When was it established?
05/01/1910.
What is the Return on Assets (ROA)?
1.6%.
How much are total loans and leases?
$4.68B (latest filing).
What is the total interest income (latest filing)?
$83.46M.