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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 - June 23, 2025

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

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10248
Date Established 1910
Assets $ 5.45 billion
Loans $ 4.34 billion
Deposits $ 4.86 billion
Capital $ 445.46 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 298.31 million
Interest-bearing balances $ 271.99 million
Total securities $ 561.68 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 4.34 billion
Loan loss allowance $ 45.40 million
Trading account assets $ 2.03 million
Bank premises and fixed assets N.A.
Other real estate owned $ 9.66 million
Goodwill and other intangibles $ 14.88 million
All other assets $ 68.95 million
     Total Assets $ 5.01 billion

LIABILITIES
Total deposits $ 4.86 billion
      Interest-bearing deposits $ 3.55 billion
      Deposits held in domestic offices $ 4.86 billion
      % insured (estimated)" 64.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 2.03 million
Other borrowed funds $ 40.00 million
Subordinated debt N.A.
All other liabilities $ 24.44 millionn
      Total Liabilities $ 5.01 billion
      Shareholders’ Equity $ 445.46 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 309.87 million
Total Interest Expense $ 111.29 million
Net interest income $ 198.59 million
Provision for loan and lease losses $ 5.60 million
Total non interest income $ 59.31 million
Total non interest expense $ 173.09 million
Pre-tax Net Operating Income $ 37.76 million

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