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 $6 billion in assets. Customers can open an account at one of its 27 branches.
| 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 |
|
Intro APR: 6.240 %
After Intro:6.240 % |
$0 |
|
Intro APR: 6.750 %
After Intro:6.750 % |
$25,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
Reliant Home Funding, Inc. NMLS ID: 292473 |
5.973% |
$1,893
Fees & Points
$3,393 Total
0.437 Pts ($1,398) $1,995 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.265% |
$1,945
Fees & Points
$4,795 Total
0.875 Pts ($2,800) $1,995 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 10248 |
| Date Established | 1910 |
| Assets | $ 5.68 billion |
| Loans | $ 4.60 billion |
| Deposits | $ 5.00 billion |
| Capital | $ 485.55 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 224.00 million |
| Interest-bearing balances | $ 167.99 million |
| Total securities | $ 586.40 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 4.60 billion |
| Loan loss allowance | $ 49.03 million |
| Trading account assets | $ 1.64 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 7.91 million |
| Goodwill and other intangibles | $ 14.31 million |
| All other assets | $ 68.95 million |
| Total Assets | $ 5.20 billion |
| LIABILITIES | |
| Total deposits | $ 5.00 billion |
| Interest-bearing deposits | $ 3.74 billion |
| Deposits held in domestic offices | $ 5.00 billion |
| % insured (estimated)" | 65.65% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | $ 1.64 million |
| Other borrowed funds | $ 40.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 24.44 millionn |
| Total Liabilities | $ 5.20 billion |
| Shareholders’ Equity | $ 485.55 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 236.92 million |
| Total Interest Expense | $ 75.73 million |
| Net interest income | $ 161.19 million |
| Provision for loan and lease losses | $ 6.05 million |
| Total non interest income | $ 41.68 million |
| Total non interest expense | $ 134.46 million |
| Pre-tax Net Operating Income | $ 37.76 million |
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