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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · North Dakota, the state note

First International Bank & Trust

Watford City, North Dakota · $6.18B in assets · beside the 11 other the Plains states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

+9.4%
Loans, year over year
1st of 12, largest first
8.4%
Equity / assets
11th of 12
1.54%
NPA / loans
11th of 12

First International Bank & Trust is the fifth largest of the 12 the Plains states banks nearest its size between $3B and $10B, with $6.18B in assets at 30 June 2026. Loans are 91.3% of deposits, 6th of 12 against a median of 92.6%, and equity is 8.4% of assets, 11th of 12. Loans grew +9.4% in the year, the fastest in the cohort, and deposits grew 13.7%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 1.54% of the book, 11th of 12 against a median of 0.55%; 0.11% is 30 to 89 days past due, and the allowance covers them 0.7 times. Net charge-offs are 0.20% of loans, 7th of 12. Commercial real estate is 33.2% of loans, 6th of 12 against a median of 33.4%, and 273% of capital, below the 300% screen, with construction at 88% against the 100% screen.

Return on assets is 1.22%, 10th of 12 against a median of 1.30%, on an efficiency ratio of 71.0%, 11th of 12. Five years ago it was 1.70%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansPlains states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.55% GS Great Southern Bank 0.02% AF Alerus Financial N.A. 0.26% FB First Bank 0.27% HB Hills Bank & Trust Co. 0.40% FB First Bank & Trust 0.42% BB Bridgewater Bank 0.49% IB Intrust Bank National Association 0.60% SB Southern Bank 0.63% CF Choice Financial Group 0.68% DB Dacotah Bank 1.52% FI First International Bank & Trust 1.54% PN Pathward National Association 5.28%
Loans, year over yearPlains states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.3% FI First International Bank & Trust +9.4% PN Pathward National Association +8.6% DB Dacotah Bank +8.2% FB First Bank +7.8% SB Southern Bank +7.1% BB Bridgewater Bank +6.8% HB Hills Bank & Trust Co. +3.9% IB Intrust Bank National Association +3.6% FB First Bank & Trust +2.5% CF Choice Financial Group +0.4% AF Alerus Financial N.A. -1.3% GS Great Southern Bank -4.9%

SBA 7(a), FY2008 to FY2026

First International Bank & Trust is the 21st largest 7(a) lender into North Dakota of 159, with $13M across 38 loans, 1.4% of everything approved in the state (Old National Bank leads with $87M). 12 of its 15 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in North Dakota, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Burleigh, ND$5M11th of 443.8%thin
Grand Forks, ND$3M8th of 342.7%thin
Ward, ND$2M10th of 304.5%quiet FY2021
Roseau, MN$2M4th of 1011.4%quiet FY2011
Cass, ND$1M42nd of 810.3%thin
Polk, MN$1M13th of 231.3%quiet FY2017
Walsh, ND$954K7th of 115.6%quiet FY2020
Williams, ND$799K13th of 311.3%quiet FY2019
Maricopa, AZ$400K257th of 3030.0%quiet FY2012
Clay, MN$355K26th of 420.5%quiet FY2022
Grant, ND$333K2nd of 248.7%quiet FY2010
Pierce, ND$200K3rd of 38.3%quiet FY2020
Roosevelt, MT$173K5th of 93.5%quiet FY2008
2 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing8$8M47.0%0.02%534th of 2,246
Professional & technical services2$3M16.7%0.01%624th of 1,955
Retail trade10$2M10.2%0.00%1247th of 2,589
Construction6$1M7.6%0.00%1106th of 2,063
Health care & social assistance7$878K5.2%0.00%1238th of 2,172
7(a) lenders into North Dakota, share of approvals since FY2008159 lenders on record; the ten largest and First International
ON Old National Bank 9.5% $87M · 250 loans BB Bravera Bank 4.9% $45M · 309 loans WF Wells Fargo Bank National Associa… 4.8% $44M · 117 loans AF Alerus Financial, National Associ… 4.8% $43M · 77 loans FW First Western Bank & Trust 4.7% $43M · 171 loans CF Choice Financial Group 4.3% $39M · 168 loans UB U.S. Bank, National Association 4.1% $37M · 231 loans CC Capital Credit Union 3.2% $30M · 234 loans SB Starion Bank 2.6% $24M · 178 loans BF Bank Forward 2.6% $24M · 68 loans FI First International Bank and Trust 1.4% $13M · 38 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
First InternationalRankCohort median
Total CRE against capital, the 300% screen273%9th of 12207%
Construction against capital, the 100% screen88%12th of 1247%
Construction and land development, share of loans10.7%12th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans15.3%4th of 1220.2%
Total CRE, the guidance definition, share of loans33.2%6th of 1233.4%
CRE growth over 36 months, the third prong+8.6%4th of 12+14.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Pathward National Association$7.31B2.7%58.3%5.28%0.84%2.1%87.4%12.1%
Intrust Bank National Association$6.76B1.3%59.3%0.60%0.04%1.2%73.2%7.4%
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Choice Financial Group$6.38B1.3%55.3%0.68%0.30%1.2%62.7%11.3%
First International Bank & Trust$6.18B1.2%71.0%1.54%0.20%1.0%91.3%8.4%
Great Southern Bank$5.53B1.3%63.2%0.02%0.04%1.5%100.1%11.0%
Bridgewater Bank$5.38B1.3%51.6%0.49%0.04%1.3%101.3%11.7%
Alerus Financial N.A.$5.28B1.8%63.9%0.26%0.47%1.2%95.8%11.0%
Southern Bank$5.19B1.5%51.2%0.63%0.21%1.2%99.4%10.5%
Dacotah Bank$4.92B1.1%62.2%1.52%0.22%1.2%93.9%9.8%
Hills Bank & Trust Co.$4.79B2.1%44.8%0.40%0.00%1.5%103.8%13.0%
First Bank & Trust$4.78B1.3%60.1%0.42%0.02%1.3%85.7%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First InternationalCohort median
20212026Change20212026Change
Loans$3.06B$4.99B+63%$2.69B$4.31B+60%
Deposits$3.83B$5.46B+42%$3.35B$4.40B+31%
NPA / loans0.55%1.54%+0.99 pts0.34%0.55%+0.20 pts
Efficiency62.3%71.0%+8.6 pts56.2%59.7%+3.5 pts
ROA1.70%1.22%-0.47 pts1.52%1.30%-0.22 pts

This read was prepared for First International Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First International Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks $3B to $10B
Institution www.fibt.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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