First International Bank & Trust
First International Bank & Trust is an FDIC insured institution headquartered at
100 N Main St, Watford City, ND 58854.
Deposit Rates -
July 07, 2026
SAVINGS RATES
APY
MIN
Savings
0.05% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.30% $10,000
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6 Mo CD
0.30% $100,000
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12 Mo CD
0.40% $10,000
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12 Mo CD
0.40% $100,000
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Special: 13 Mo CD
0.75% $2,500
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18 Mo CD
0.45% $10,000
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18 Mo CD
0.45% $100,000
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Special: 23 Mo CD
1.00% $2,500
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24 Mo CD
0.55% $10,000
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24 Mo CD
0.55% $100,000
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30 Mo CD
0.60% $10,000
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30 Mo CD
0.60% $100,000
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36 Mo CD
0.65% $10,000
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36 Mo CD
0.65% $100,000
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48 Mo CD
0.90% $10,000
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48 Mo CD
0.90% $100,000
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60 Mo CD
1.00% $10,000
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60 Mo CD
1.00% $100,000
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MM RATES
APY
MIN
Money Market
0.05% $2,500
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Money Market
0.05% $10,000
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Money Market
0.10% $25,000
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INT CHECKING RATES
APY
MIN
Int Ckg
0.75% $2,500
Loan Rates -
July 07, 2026
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
15 Year Fixed Conforming
6.90%
$2,831.71
30 Year Fixed Conforming
7.59%
$2,237.49
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
15 Year Fixed Conforming
6.90%
$2,831.71
30 Year Fixed Conforming
7.59%
$2,237.49
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 10248
Date Established
1910
Assets
$ 6.16 billion
Loans
$ 4.68 billion
Deposits
$ 5.46 billion
Capital
$ 510.93 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 591.04 million
Interest-bearing balances
$ 532.16 million
Total securities
$ 597.55 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 4.68 billion
Loan loss allowance
$ 51.76 million
Trading account assets
$ 1.54 million
Bank premises and fixed assets
N.A.
Other real estate owned
$ 6.25 million
Goodwill and other intangibles
$ 14.30 million
All other assets
$ 68.95 million
Total Assets $ 5.65 billion
LIABILITIES
Total deposits
$ 5.46 billion
Interest-bearing deposits
$ 3.82 billion
Deposits held in domestic offices
$ 5.46 billion
% insured (estimated)" 61.19%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
$ 1.54 million
Other borrowed funds
$ 40.00 million
Subordinated debt
N.A.
All other liabilities
$ 24.44 millionn
Total Liabilities $ 5.65 billion
Shareholders’ Equity $ 510.93 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 320.38 million
Total Interest Expense
$ 101.74 million
Net interest income
$ 218.64 million
Provision for loan and lease losses
$ 8.20 million
Total non interest income
$ 54.57 million
Total non interest expense
$ 181.81 million
Pre-tax Net Operating Income
$ 37.76 million
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