First International Bank & Trust

ROA: Strong

Watford City, ND | Charter: NM | Holding Company: WATFORD CITY BANCSHARES INC

Established: 1910-05-01

Total Assets

$6.16B

Total Deposits

$5.46B

Net Income

$95.8M

Branches

FDIC data last updated: April 2, 2026

Overview

First International Bank & Trust is a community bank, headquartered in Watford City, ND. With $6.16B in total assets, First International Bank & Trust holds a notable position in the U.S. banking landscape (Source: FDIC BankFind). The institution operates under a NM charter. It is part of the WATFORD CITY BANCSHARES INC holding company.

First International Bank & Trust holds approximately $5.46B in total deposits (Source: FDIC BankFind). The bank operates 28 branches, indicating a more focused geographic footprint. Established 1910-05-01, the institution has a track record in the banking industry.

This profile uses publicly available government data to present a factual overview. It does not constitute an endorsement or recommendation of this institution. Consumers may wish to consider factors such as account fees, digital banking features, and customer service when evaluating any bank.

Financial Health Analysis

Return on Assets (ROA)

1.69%

National avg: 1.21%

Return on Equity (ROE)

20.10%

National avg: 11.47%

FDIC Insured

Yes

Up to $250,000 per depositor

First International Bank & Trust reports a Return on Assets (ROA) of 1.69%, which is near or above the national average of 1.21%, which typically suggests adequate profitability (Source: FDIC BankFind). In practical terms, an ROA of 1.69% means that for every $100 in assets, the bank generates approximately $1.69 in profit.

The bank's Return on Equity (ROE) is 20.10%, which is above the national average of 11.47%, suggesting the bank generally generates strong returns for shareholders (Source: FDIC BankFind). ROE measures how effectively a bank uses shareholder equity to generate profit.

First International Bank & Trust reported positive net income of $95.8M in the most recent reporting period (Source: FDIC BankFind). Net income reflects overall profitability after all expenses, taxes, and provisions.

Past financial performance does not guarantee future stability or profitability. These metrics reflect a single reporting period and may vary from quarter to quarter. Consult a licensed financial professional before making banking decisions based on financial data.

First International Bank & Trust vs. national average

Return on Assets (ROA)Above average

First International Bank & Trust

1.69%

Nat'l avg

1.21%

Return on Equity (ROE)Above average

First International Bank & Trust

20.10%

Nat'l avg

11.47%

National averages calculated from all active FDIC-insured banks.

Customer Experience

CFPB complaint data is not available for First International Bank & Trust. This is common for smaller community banks and does not indicate a problem. The CFPB Consumer Complaint Database primarily tracks complaints for larger financial institutions that serve a high volume of consumers.

Branch and Access

First International Bank & Trust operates 28 branches, indicating a focused geographic presence (Source: FDIC BankFind). Smaller branch networks are common among community banks that serve specific local markets.

The bank is headquartered in Watford City, ND. Consumers considering this institution may want to verify branch locations near their home or workplace, as headquarter location does not always indicate where branches are concentrated.

Branch access is one factor in choosing a bank. Consumers who primarily use mobile and online banking may prioritize digital features and rates over physical branch proximity.

View banks in ND

How First International Bank & Trust compares to similar-sized banks

Bank	Assets	Deposits	ROA	Branches
First International Bank & Trust	$6.16B	$5.46B	1.69%	28
First Commonwealth Bank	$12.31B	$10.34B	1.33%	129
BancFirst	$12.12B	$10.58B	1.79%	116
First Foundation Bank	$11.88B	$9.31B	-1.10%	30
Farmers and Merchants Bank of Long Beach	$11.80B	$8.95B	0.59%	27

Data Sources

FDIC BankFind: Financial data including total assets, deposits, net income, ROA, and ROE for all FDIC-insured institutions. https://banks.data.fdic.gov/

CFPB Consumer Complaint Database: Consumer complaint data by institution, including complaint volumes, response rates, and top issue categories. https://www.consumerfinance.gov/data-research/consumer-complaints/

Federal Reserve Economic Data (FRED): Interest rate benchmarks including the Federal Funds Rate, Treasury yields, and national savings rate averages. https://fred.stlouisfed.org/

BankRanked is not a bank, credit union, or financial advisor. This content is for educational purposes only and does not constitute financial advice. All data is sourced from publicly available government databases (FDIC, NCUA, CFPB, FRED). Consult a licensed financial professional before making banking decisions.