B
First International Bank and Trust
Rating Date
October 2025
Risk Based
Capital Ratio
12.06
Leverage
Ratio
9.31
Return On
Assets
1.56%
Total
Assets
5.50B
Capital
466.95M
Total
Deposits
4.80B
Net
Income
52.24M
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Weiss Ratings First International Bank and Trust
Watford City, ND 		Click to
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Rating B
Asset Quality Index 4.40
Capitalization Index 7.50
Liquidity Index 2.30
Profitability Index 6.30
Stability Index 8.80
Company Info First International Bank and Trust
Watford City, ND 		Click to
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FDIC Number 10248
Phone Number (701) 842-2381
Website www.firstintlbank.com
Asset Quality First International Bank and Trust
Watford City, ND 		Click to
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1-Year Asset Growth 1.78%
5-Year Asset Growth 11.47%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 2.03%
Non-Performing Loans to Capital 16.82%
Non-Performing Loans to Loans 2.22%
Balance Sheet First International Bank and Trust
Watford City, ND 		Click to
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Total Assets 5.50B
Total Deposits 4.80B
Capital and Reserves First International Bank and Trust
Watford City, ND 		Click to
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Capital 466.95M
Leverage Ratio 9.31
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio 12.06
Liquidity First International Bank and Trust
Watford City, ND 		Click to
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Hot Money Ratio 12.92%
Liquidity Ratio 4.41%
Profitability First International Bank and Trust
Watford City, ND 		Click to
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5-Year Return on Average Assets 1.67%
Net Income 52.24M
Net Interest Spread 4.05%
Operating Profit to Average Assets 1.56%
Overhead Efficiency Ratio 65.65%
Return on Assets 1.56%
Return on Equity 18.48%