Total Assets
$6.2B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$5.5B
Customer-funded liabilities
Net Loans
$4.7B
Outstanding loan book
Net Income
$96M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
20.10%
Efficiency Ratio
65.93%
What the numbers say about First International Bank & Trust
First International Bank & Trust is an FDIC-insured institution (Certificate #10248) headquartered in Watford City, North Dakota, established in 1910. It holds $6.2B in total assets - 246th of 4,313 FDIC-insured banks, $5.5B in customer deposits, and $4.7B in net loans. On safety, its Tier 1 capital ratio of 10.97% is above the 10% well-capitalized threshold, and its Texas Ratio of 15.51% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (71/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First International Bank & Trust's asset base places it among the largest FDIC-insured institutions in the country, 246th of 4,313 nationally, and 2nd of 61 banks headquartered in North Dakota. Only Bell Bank ($14.4B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in North Dakota by total assets
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.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First International Bank & Trust's health grade?▼
First International Bank & Trust receives a health grade of B (71/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First International Bank & Trust?▼
First International Bank & Trust holds $6.2B in total assets and $5.5B in deposits, ranking 246th of 4,313 FDIC-insured banks by asset size. It is headquartered in Watford City, North Dakota.
Is my money safe at First International Bank & Trust?▼
Yes, deposits at First International Bank & Trust (Certificate #10248) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First International Bank & Trust's Tier 1 Capital Ratio?▼
First International Bank & Trust has a Tier 1 Capital Ratio of 10.97%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First International Bank & Trust?▼
First International Bank & Trust has a Texas Ratio of 15.51%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First International Bank & Trust?▼
First International Bank & Trust has an Efficiency Ratio of 65.93%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First International Bank & Trust's profile as a depositor or analyst.
- First International Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First International Bank & Trust against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.