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First International Bank & Trust
Watford City, ND·FDIC Cert #10248·Charter: STATE·Est. 19100501.0·HC: WATFORD CITY BANCSHARES INC
Total Assets
$6.2B
Q4 2025
Return on Assets
1.69%
-0.04%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.93%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.69%-0.04
ROE
20.10%-0.44
Efficiency
65.93%+0.28
Equity/Assets
0.00%+0.00
NPL Ratio
1.87%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.74%-6.35
Charge-offs
0.04%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.5 | 1.6 | 1.9 | 2.3 | 1.9 | 1.7 | 1.7 |
| ROE | 19.7 | 20.7 | 21.0 | 24.8 | 26.9 | 22.6 | 20.5 | 20.1 |
| Efficiency | 64.0 | 63.9 | 64.4 | 66.4 | 64.7 | 65.0 | 65.7 | 65.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.7 | 0.6 | 0.4 | 1.4 | 1.9 | 1.9 | 1.9 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 |
| Loan/Deposit | 92.0 | 90.9 | 91.9 | 89.4 | 88.7 | 93.9 | 92.1 | 85.7 |
Balance Sheet
Total Assets$6.2B
Total Deposits$5.5B
Total Loans$4.7B
Total Equity$510.9M
Profitability
ROA1.69%
ROE20.10%
Efficiency Ratio65.93%
Net Income$95.8M
Risk & Asset Quality
NPL Ratio1.87%
Charge-off Rate0.04%
Loan/Deposit85.74%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans