First International Bank & Trust
First International Bank & Trust is an FDIC insured institution headquartered at
100 N Main St, Watford City, ND 58854.
It was founded in
1910 and has approximately $5 billion in
assets. Customers can open an account at one of its 27 branches.
Deposit Rates - January 29, 2023
SAVINGS RATES | APY | MIN | |
---|---|---|---|
Savings
|
0.05% | $2,500 | Compare |
CD RATES | APY | MIN | |
---|---|---|---|
6 Mo CD
|
0.30% | $10,000 | Compare |
6 Mo CD
|
0.30% | $100,000 | Compare |
12 Mo CD
|
0.40% | $10,000 | Compare |
12 Mo CD
|
0.40% | $100,000 | Compare |
Special: 13 Mo CD
|
0.75% | $2,500 | Compare |
18 Mo CD
|
0.45% | $10,000 | Compare |
18 Mo CD
|
0.45% | $100,000 | Compare |
Special: 23 Mo CD
|
1.00% | $2,500 | Compare |
24 Mo CD
|
0.55% | $10,000 | Compare |
24 Mo CD
|
0.55% | $100,000 | Compare |
30 Mo CD
|
0.60% | $10,000 | Compare |
30 Mo CD
|
0.60% | $100,000 | Compare |
36 Mo CD
|
0.65% | $10,000 | Compare |
36 Mo CD
|
0.65% | $100,000 | Compare |
48 Mo CD
|
0.90% | $10,000 | Compare |
48 Mo CD
|
0.90% | $100,000 | Compare |
60 Mo CD
|
1.00% | $10,000 | Compare |
60 Mo CD
|
1.00% | $100,000 | Compare |
MM RATES | APY | MIN | |
---|---|---|---|
Money Market
|
0.05% | $2,500 | Compare |
Money Market
|
0.05% | $10,000 | Compare |
Money Market
|
0.10% | $25,000 | Compare |
INT CHECKING RATES | APY | MIN |
---|---|---|
Int Ckg
|
0.75% | $2,500 |
Featured Home Equity Rates
-
Sponsored
-
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online. $0 -
Intro APR: 6.990 %
After Intro:8.000 %
Intro Period: 12 months
$25,000 -
AimLoan.com NMLS#2890
NMLS ID: 2890 / Updated 2023-01-29Home Equity Loan - 15 Year Fixed Rate $0 -
6.740 %
$0 - Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
-
Sponsored
-
Beeline Loans, Inc.
NMLS ID: 17999475.606% $1,420 Fees & Points $2,942 Total
0.777 Pts ($1,942)
$999 Fees -
7.110% $1,664 Fees & Points $2,795 Total
1.000 Pts ($2,500)
$295 Fees -
Eligibility.org
NMLS ID: Not lenderFees & Points Total
Pts ($0)
$0 Fees -
MortgageResearch.com
NMLS ID: Not lenderFees & Points Total
Pts ($0)
$0 Fees - Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
Overview 2023
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 10248 |
Date Established | 1910 |
Assets | $ 5.06 billion |
Loans | $ 3.70 billion |
Deposits | $ 4.66 billion |
Capital | $ 336.61 million |
Summary Balance Sheet
ASSETS | |
Cash & Balances due from depository institutions | $ 523.79 million |
Interest-bearing balances | $ 457.53 million |
Total securities | $ 608.62 million |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 3.70 billion |
Loan loss allowance | $ 34.89 million |
Trading account assets | $ 1.14 million |
Bank premises and fixed assets | N.A. |
Other real estate owned | $ 3.44 million |
Goodwill and other intangibles | $ 21.46 million |
All other assets | $ 68.95 million |
Total Assets | $ 4.73 billion |
LIABILITIES | |
Total deposits | $ 4.66 billion |
Interest-bearing deposits | $ 3.04 billion |
Deposits held in domestic offices | $ 4.66 billion |
% insured (estimated) | 85.98% |
Federal funds purchased and repurchase agreements | N.A. |
Trading liabilities | $ 1.14 million |
Other borrowed funds | $ 40.00 million |
Subordinated debt | N.A. |
All other liabilities | $ 24.44 millionn |
Total Liabilities | $ 4.73 billion |
Shareholders’ Equity | $ 336.61 million |
Summary Income Statement
INCOME AND EXPENSES | |
Total Interest Income | $ 93.97 million |
Total Interest Expense | $ 4.96 million |
Net interest income | $ 89.01 million |
Provision for loan and lease losses | $ 2.80 million |
Total non interest income | $ 27.95 million |
Total non interest expense | $ 76.40 million |
Pre-tax Net Operating Income | $ 37.76 million |
Customer Reviews for First International Bank & Trust
Branches
Click on location and enter new zip number to change.
Your current location is: Ashburn, VA
View Branches Statewide →
View Branches Nationwide →
First International Bank & Trust Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL CDBankNORTH DAKOTA$50,0006 Month0.30%1.06x (National Avg. - 0.28%)$10,000-SCENARIO
Year Rate
0.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 150 105 2 50,150 150 105 3 50,300 151 106 4 50,451 151 106 5 50,603 152 106 6 50,755 152 107 7 50,907 153 107 8 51,059 153 107 9 51,213 154 108 10 51,366 154 108 11 51,520 155 108 12 51,675 155 109 13 51,830 155 109 14 51,985 156 109 15 52,141 156 109 16 52,298 157 110 17 52,455 157 110 18 52,612 158 110 19 52,770 158 111 20 52,928 159 111 TOTAL $3,087 $2,161 - 2LOCAL CDOnline Bank-$50,00012 Month4.15%9.63x (National Avg. - 0.43%)$2,500-SCENARIO
Year Rate
4.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,075 1,453 2 52,075 2,161 1,513 3 54,236 2,251 1,576 4 56,487 2,344 1,641 5 58,831 2,441 1,709 6 61,273 2,543 1,780 7 63,815 2,648 1,854 8 66,464 2,758 1,931 9 69,222 2,873 2,011 10 72,095 2,992 2,094 11 75,087 3,116 2,181 12 78,203 3,245 2,272 13 81,448 3,380 2,366 14 84,828 3,520 2,464 15 88,349 3,666 2,567 16 92,015 3,819 2,673 17 95,834 3,977 2,784 18 99,811 4,142 2,900 19 103,953 4,314 3,020 20 108,267 4,493 3,145 TOTAL $62,760 $43,932 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.80x (National Avg. - 0.55%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237 - 4LOCAL CDOnline Bank-$50,00060 Month4.40%5.45x (National Avg. - 0.81%)$2,500-SCENARIO
Year Rate
4.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,200 1,540 2 52,200 2,297 1,608 3 54,497 2,398 1,679 4 56,895 2,503 1,752 5 59,398 2,614 1,829 6 62,012 2,729 1,910 7 64,740 2,849 1,994 8 67,589 2,974 2,082 9 70,563 3,105 2,173 10 73,667 3,241 2,269 11 76,909 3,384 2,369 12 80,293 3,533 2,473 13 83,825 3,688 2,582 14 87,514 3,851 2,695 15 91,364 4,020 2,814 16 95,384 4,197 2,938 17 99,581 4,382 3,067 18 103,963 4,574 3,202 19 108,537 4,776 3,343 20 113,313 4,986 3,490 TOTAL $68,299 $47,809
There are currently no comments for First International Bank & Trust. Be the first to share your experience. Please provide comments that will help others.