FDIC Cert #10248 · Watford City, North Dakota · Est. 1910

First International Bank & Trust - FDIC Bank Health Profile

A community-scale look at First International Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$6.2B
Total assets
B
Health grade · Good
1.69%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

First International Bank & Trust earns a PlainBankData health grade of B (71/100), with well-capitalized at 10.97% Tier 1, profitable at 1.69% ROA, 66% efficiency ratio.

#246
largest of 4,313 FDIC banks by assets
94th
percentile by asset size, nationally
10.97%
Tier 1 ratio - above the 10% well-capitalized line
82nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 10248 · ND B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2912/4307
  • PHOTO-FINISH American Exchange Bank · NE
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-HEALTHY 15.5% Texas
  • ROA-STRONG 1.69% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: American Exchange Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First International Bank & Trust

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Exchange Bank · NE …71/100Bank of Columbia · KY · near71/100First International… · ND · …71/100Sweet Water State Bank · AL …71/100Thread Bank · TN · near71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First International Bank & Trust · July 2026

Plate reading for First International Bank & Trust where failures stay rare

First International Bank & Trust (FDIC Cert #10248) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,912 of 4,307. Tier 1 capital prints at 10.97%, clearing the 10% well-capitalized line. The Texas Ratio is 15.51%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.69%. Balance-sheet scale is $6.2B, 246th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Exchange Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First International Bank & Trust

Zero FAILURE resolutions in North Dakota since 2000

First International Bank & Trust is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How First International Bank & Trust's 71/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10071/100
First International Bank & Trust's composite health score
Tier 1 Capital Ratio (10.97%) 28/40
Return on Assets (ROA) (1.69%) 25/25
Texas Ratio (15.51%) 10/20
Efficiency Ratio (65.93%) 8/15

71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$6.2B

Total balance-sheet footings

Total Deposits

$5.5B

Customer-funded liabilities

Net Loans

$4.7B

Outstanding loan book

Net Income

$96M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.57% 10.97% 12.37%
Basel III capital ratios - First International Bank & Trust

Where First International Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First International Bank & Trust's score of 71/100 falls in the highlighted band.

First International Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First International Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First International Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First International Bank & Trust's $6.2B falls in the highlighted band.

Safety metrics: First International Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

10.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.97%
Texas Ratio
15.51%
Equity Capital
$511M

What these ratios mean →

Earnings posture at First International Bank & Trust

Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
20.10%
Efficiency Ratio
65.93%

What these mean →

Income & expense at First International Bank & Trust

$320M
Interest Income
$55M
Non-Interest Income
$182M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First International Bank & Trust reports a Texas Ratio of 15.51% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First International Bank & Trust on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($6.2B here), outside North Dakota so the neighborhood is not state containment.

Middlesex Savings Bank $6.2B · MA Hinsdale Bank & Trust Company $6.1B · IL Mid Penn Bank $6.1B · PA Five Star Bank $6.2B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First International Bank & Trust (FDIC Cert #10248) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First International Bank & Trust Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%
Starion BankBismarck $2.1B B 0.80%