B
First International Bank and Trust
Rating Date
March 2026
Risk Based
Capital Ratio
12.05
Leverage
Ratio
9.29
Return On
Assets
1.49%
Total
Assets
6.16B
Capital
510.93M
Total
Deposits
5.46B
Net
Income
95.77M
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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 4.60
Capitalization Index 7.40
Liquidity Index 2.70
Profitability Index 6.00
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 12.98%
5-Year Asset Growth 9.58%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 1.73%
Non-Performing Loans to Capital 15.76%
Non-Performing Loans to Loans 2.12%
Balance Sheet First International Bank and Trust
Watford City, ND 		Click to
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Total Assets 6.16B
Total Deposits 5.46B
Capital and Reserves First International Bank and Trust
Watford City, ND 		Click to
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Capital 510.93M
Leverage Ratio 9.29
Loan Loss Reserves to Loans 1.09%
Risk-Based Capital Ratio 12.05
Liquidity First International Bank and Trust
Watford City, ND 		Click to
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Hot Money Ratio 13.21%
Liquidity Ratio 12.62%
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 95.77M
Net Interest Spread 4.10%
Operating Profit to Average Assets 1.49%
Overhead Efficiency Ratio 66.55%
Return on Assets 1.49%
Return on Equity 17.58%