B
First International Bank and Trust
Rating Date
August 2026
Risk Based
Capital Ratio
11.71
Leverage
Ratio
9.06
Return On
Assets
1.22%
Total
Assets
6.18B
Capital
517.71M
Total
Deposits
5.46B
Net
Income
37.34M
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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 4.20
Capitalization Index 7.10
Liquidity Index 2.40
Profitability Index 3.10
Stability Index 8.50
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 12.36%
5-Year Asset Growth 9.58%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 1.66%
Non-Performing Loans to Capital 13.70%
Non-Performing Loans to Loans 1.78%
Balance Sheet First International Bank and Trust
Watford City, ND 		Click to
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Total Assets 6.18B
Total Deposits 5.46B
Capital and Reserves First International Bank and Trust
Watford City, ND 		Click to
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Capital 517.71M
Leverage Ratio 9.06
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio 11.71
Liquidity First International Bank and Trust
Watford City, ND 		Click to
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Hot Money Ratio 13.64%
Liquidity Ratio 7.35%
Profitability First International Bank and Trust
Watford City, ND 		Click to
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5-Year Return on Average Assets 1.69%
Net Income 37.34M
Net Interest Spread 4.10%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 70.97%
Return on Assets 1.22%
Return on Equity 14.24%