First International Bank & Trust
FDIC #10248
📍 Watford City, North Dakota
First International Bank & Trust is a commercial bank, state charter and fed nonmember, supervised by the fdic. established in 05/01/1910. With assets of $5.03 Billion, it operates 28 domestic branches.
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Community Reinvestment Act (CRA) Rating
Latest Exam: December 1, 2023
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
Rating History
December 1, 2023
Satisfactory
January 1, 2021
Satisfactory
November 1, 2017
Satisfactory
💰 Financial Strength
Total Assets$5.03 Billion
Total Deposits$4.32 Billion
Equity Capital$339.66 Million
Net Income$56.04 Million
📈 Performance
ROA1.51%
ROE21.30%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
📋 Corporate Structure
Established05/01/1910
FDIC Cert10248
Holding CoWatford City Bancshares Inc
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredYes
🕰️ Lobby Hours
Monday7:30 AM - 8:00 PM
Tuesday7:30 AM - 8:00 PM
Wednesday7:30 AM - 8:00 PM
Thursday7:30 AM - 8:00 PM
Friday7:30 AM - 8:00 PM
Saturday8:00 AM - 2:00 PM
SundayClosed
📜 Institutional History
2006
Merger / Acquisition
Acquired: Farmers State Bank
2001
Merger / Acquisition
Acquired: First International Bank & Trust
1993
Merger / Acquisition
Acquired: First International Bank & Trust, National Association
1993
Name Change
Name became: Changed Institution Name To First International Bank & Trust.
1990
Name Change
Name became: Changed Institution Name To First International Bank.