First International Bank & Trust Mortgage Rates, Fees & Info

Watford City, ND

LEI: 5493002LPXKMOZNXUY90

Tax ID: 45-0134280

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Mortgage Data

Bank Data

Review & Overview

First International Bank & Trust is a smaller bank specializing in Home Purchase loans. First International Bank & Trust has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Fargo, Williston, Bismarck, and Minot among others. We have data for 56 markets. (Some data included below & more in-depth data is available with an active subscription.)

First International Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First International Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.63% 3/28/24
30 Year Conventional Purchase 6.59% 3/28/24
30 Year Conventional Refi 6.52% 3/28/24
30 Year Cash-out Refi 6.72% 3/28/24
30 Year FHA Purchase 7.35% 3/28/24
30 Year FHA Refi 6.99% 3/28/24
30 Year VA Purchase 6.09% 3/28/24
30 Year VA Refi 5.89% 3/28/24
30 Year USDA Purchase 6.60% 3/28/24
15 Year Conventional Purchase 6.12% 3/28/24
15 Year Conventional Refi 6.12% 3/28/24
15 Year Cash-out Refi 6.12% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First International Bank & Trust Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First International Bank & Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,298

Origination Dollar Volume (All Markets)

$489,360,000

Employee count

643 Show all (15) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 240 $178,480,000 $743,667 $5,893 4.76%
FARGO, ND-MN (FHA|USDA|VA) 342 $82,190,000 $240,322 $2,887 4.12%
Outside of Metro Areas 218 $68,160,000 $312,661 $3,267 4.48%
Williston, ND (FHA|USDA|VA) 73 $47,395,000 $649,247 $3,392 4.46%
BISMARCK, ND (FHA|USDA|VA) 140 $36,860,000 $263,286 $3,426 4.10%
Minot, ND (FHA|USDA|VA) 122 $26,450,000 $216,803 $2,595 4.40%
Fergus Falls, MN (FHA|USDA|VA) 21 $10,225,000 $486,905 $4,081 3.90%
GRAND FORKS, ND-MN (FHA|USDA|VA) 31 $6,405,000 $206,613 $3,423 4.39%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 21 $5,345,000 $254,524 $4,492 3.67%
FLAGSTAFF, AZ (FHA|USDA|VA) 7 $2,975,000 $425,000 $7,024 4.50%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $2,145,000 $2,145,000 $29,129 4.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $1,690,000 $422,500 $4,575 4.03%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $1,435,000 $1,435,000 $0 6.50%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $1,395,000 $199,286 $2,421 3.79%
Payson, AZ (FHA|USDA|VA) 3 $1,265,000 $421,667 $7,196 4.63%
Bemidji, MN (FHA|USDA|VA) 2 $1,150,000 $575,000 $5,804 4.25%
Jamestown, ND (FHA|USDA|VA) 5 $1,045,000 $209,000 $1,418 4.54%
Dickinson, ND (FHA|USDA|VA) 3 $845,000 $281,667 $7,132 4.83%
Wahpeton, ND-MN (FHA|USDA|VA) 4 $820,000 $205,000 $1,843 3.72%
Show Low, AZ (FHA|USDA|VA) 2 $790,000 $395,000 $4,335 5.06%
RAPID CITY, SD (FHA|USDA|VA) 2 $690,000 $345,000 $4,177 4.25%
Brainerd, MN (FHA|USDA|VA) 3 $615,000 $205,000 $2,634 4.33%
TOLEDO, OH (FHA|USDA|VA) 3 $585,000 $195,000 $2,621 3.71%
Alexandria, MN (FHA|USDA|VA) 3 $565,000 $188,333 $3,767 4.00%
PANAMA CITY, FL (FHA|USDA|VA) 3 $545,000 $181,667 $2,701 4.71%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $500,000 $250,000 $3,321 3.63%
Spearfish, SD (FHA|USDA|VA) 2 $490,000 $245,000 $2,814 5.25%
TUCSON, AZ (FHA|USDA|VA) 3 $475,000 $158,333 $2,868 3.29%
BILLINGS, MT (FHA|USDA|VA) 1 $445,000 $445,000 $2,378 4.38%
FORT COLLINS, CO (FHA|USDA|VA) 1 $445,000 $445,000 $2,670 3.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $425,000 $425,000 $1,247 3.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $405,000 $405,000 $1,780 4.63%
Grand Rapids, MN (FHA|USDA|VA) 2 $400,000 $200,000 $5,116 4.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $395,000 $395,000 $3,442 4.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $375,000 $375,000 $3,294 4.50%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $345,000 $345,000 $1,925 4.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $345,000 $345,000 $1,900 3.38%
ST. CLOUD, MN (FHA|USDA|VA) 2 $310,000 $155,000 $0 5.47%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $5,838 5.38%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $305,000 $305,000 $1,985 3.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $5,280 3.50%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $285,000 $285,000 $5,068 4.13%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $275,000 $275,000 $3,176 4.00%
Coos Bay, OR (FHA|USDA|VA) 1 $275,000 $275,000 $5,859 3.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $275,000 $275,000 $1,676 3.88%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $245,000 $245,000 $5,489 3.38%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $225,000 $225,000 $2,229 4.13%
Aberdeen, SD (FHA|USDA|VA) 1 $185,000 $185,000 $2,607 4.38%
New Ulm, MN (FHA|USDA|VA) 1 $175,000 $175,000 $2,317 3.75%
BOULDER, CO (FHA|USDA|VA) 1 $165,000 $165,000 $2,390 3.13%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.15%
GREEN BAY, WI (FHA|USDA|VA) 1 $145,000 $145,000 $635 3.38%
Riverton, WY (FHA|USDA|VA) 1 $135,000 $135,000 $3,793 4.13%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,498 4.00%
RACINE, WI (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.75%
First International Bank & Trust's top markets include Phoenix, Fargo, Williston, Bismarck, and Minot among others.

Their top states include:
  • North Dakota (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Wyoming (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
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    We use machine learning to identify the top lenders compared against First International Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,086 $436,700,000 $402,118 $3,487 4.45%
    FHA 119 $26,655,000 $223,992 $5,577 4.00%
    VA 84 $24,060,000 $286,429 $4,972 3.50%
    USDA 9 $1,945,000 $216,111 $3,079 3.78%

    For 2019, First International Bank & Trust's most frequently originated type of loan was Conventional, with 1,086 originations. Their 2nd most popular type was FHA, with 119 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 861 $362,165,000 $420,633 $4,185 4.43%
    Refi 226 $74,480,000 $329,558 $2,689 3.84%
    Cash Out Refi 159 $46,385,000 $291,730 $3,842 4.34%
    Home Improvement 28 $2,780,000 $99,286 $1,464 5.47%
    Other 24 $3,550,000 $147,917 $2,285 4.97%

    For 2019, First International Bank & Trust's most frequently cited loan purpose was Home Purchase, with 861 originations. The 2nd most popular reason was Refi, with 226 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 970 $290,750,000 $299,742 $3,960 4.23%
    15 Year 120 $38,190,000 $318,250 $2,907 3.88%
    20 Year 91 $30,545,000 $335,659 $3,619 4.96%
    Other 66 $115,810,000 $1,754,697 $972 5.28%
    5 Year 19 $1,635,000 $86,053 $546 5.13%
    10 Year 17 $6,265,000 $368,529 $1,143 5.18%
    1 Year 11 $4,465,000 $405,909 $0 6.18%
    3 Year 3 $345,000 $115,000 $0 5.24%
    30+ year 1 $1,355,000 $1,355,000 $21,873 4.75%

    For 2019, First International Bank & Trust's most frequently cited loan duration was 30 Year, with 970 originations. The 2nd most popular length was 15 Year, with 120 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 675 $158,875,000 $235,370
    $1k-2k 203 $52,355,000 $257,906
    $5k+ 86 $67,110,000 $780,349
    $2k-3k 82 $20,810,000 $253,780
    $3k-4k 45 $13,005,000 $289,000
    $4k-5k 35 $12,535,000 $358,143

    First International Bank & Trust's average total fees were $3,960, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 675 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 567 $152,125,000 $268,298
    4-5% 420 $218,430,000 $520,071
    5-6% 214 $87,480,000 $408,785
    6-7% 43 $17,575,000 $408,721
    2.5-3% 39 $11,205,000 $287,308
    7-8% 11 $2,345,000 $213,182
    <2.5% 3 $185,000 $61,667
    Over 8% 1 $15,000 $15,000

    During 2019, First International Bank & Trust's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was 3-4%, with 567 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 596 $169,810,000 $284,916 $3,599 4.13%
    $100k-200k 362 $56,870,000 $157,099 $2,379 4.30%
    $400k-600k 136 $62,770,000 $461,544 $4,517 4.32%
    $100,000 or less 126 $7,700,000 $61,111 $1,590 5.12%
    $600k-1MM 42 $32,130,000 $765,000 $10,473 5.06%
    $1MM+ 36 $160,080,000 $4,446,667 $20,566 4.91%

    2019 saw First International Bank & Trust place emphasis on $200k-400k loans with 596 originations, totaling $169,810,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 282 $78,320,000 $277,730 $3,369 4.34%
    $50k-75k 222 $43,930,000 $197,883 $2,981 4.18%
    $75k-100k 186 $45,230,000 $243,172 $3,336 4.26%
    $150k-250k 176 $63,060,000 $358,295 $4,577 4.51%
    $50k or less 125 $17,935,000 $143,480 $2,685 4.17%
    $250k+ 109 $65,425,000 $600,229 $7,973 4.51%

    First International Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 282 originations. The second most popular income band? $50k-75k, with 222 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 235 $67,585,000 $287,596 $3,688 4.06%
    30-36% 195 $54,985,000 $281,974 $3,440 4.18%
    <20% 87 $24,825,000 $285,345 $3,882 4.18%
    50-60% 80 $24,160,000 $302,000 $6,366 4.64%
    42% 56 $16,840,000 $300,714 $3,720 4.21%
    40% 51 $13,245,000 $259,706 $2,721 4.27%
    44% 48 $14,080,000 $293,333 $3,551 4.35%
    43% 45 $11,225,000 $249,444 $3,300 4.09%
    41% 45 $11,645,000 $258,778 $3,259 4.47%
    36% 42 $9,490,000 $225,952 $2,828 4.43%
    49% 41 $10,475,000 $255,488 $3,361 4.20%
    39% 41 $11,385,000 $277,683 $3,821 4.41%
    38% 36 $8,890,000 $246,944 $3,548 4.47%
    46% 32 $13,050,000 $407,813 $5,684 4.11%
    48% 32 $9,760,000 $305,000 $3,997 4.31%
    45% 30 $7,440,000 $248,000 $3,445 4.43%
    37% 28 $6,750,000 $241,071 $2,645 4.51%
    47% 26 $6,220,000 $239,231 $3,301 4.18%
    >60% 15 $10,295,000 $686,333 $12,024 5.48%

    First International Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 235 originations. The next most common DTI ratio? 30-36%, with 195 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,102 $298,770,000 $271,116 $3,529 4.27%
    Not applicable 83 $146,995,000 $1,771,024 $0 5.24%
    Not provided 75 $33,545,000 $447,267 $6,659 4.54%
    Asian 17 $4,475,000 $263,235 $4,509 4.20%
    Black 14 $3,480,000 $248,571 $3,050 4.49%
    American Indian 7 $2,095,000 $299,286 $5,212 3.65%

    Approval Rates

    Total approvals of all applications
    96.17%

    First International Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    85.90%

    First International Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    100.0 1 $95,000 $95,000
    NA 1,297 $489,265,000 $377,228

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $4,870,000 $2,435,000
    Multifamily:Site-Built 32 $132,660,000 $4,145,625
    Single Family (1-4 Units):Manufactured 15 $2,585,000 $172,333
    Single Family (1-4 Units):Site-Built 1,249 $349,245,000 $279,620

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 58 $17,840,000 $307,586 $2,017 4.83%
    40-60% 127 $107,795,000 $848,780 $3,272 4.24%
    60-80% 472 $185,170,000 $392,309 $3,991 4.42%
    80-100% 582 $170,080,000 $292,234 $3,892 4.23%
    Over 100% 21 $5,695,000 $271,190 $7,008 3.76%
    Under 20% 38 $2,780,000 $73,158 $880 5.28%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Closing on a mortgage 2 33.3%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 3 50.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 1 16.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First International Bank & Trust 100 North Main Street Watford City, ND 58854 Full Service B&M $639,903
    First International Bank & Trust 111 N.E. Fourth Street Staples, MN 56479 Full Service B&M $62,605
    First International Bank & Trust 1331 9th Avenue Nw Williston, ND 58801 Full Service B&M $224,275
    First International Bank & Trust 1350 13th Avenue East West Fargo, ND 58078 Full Service B&M $153,356
    First International Bank & Trust 143 Warrington Avenue Bowdon, ND 58418 Full Service B&M $2,251
    First International Bank & Trust 150 16th Street Sw Minot, ND 58701 Full Service B&M $54,022
    First International Bank & Trust 1600 South Broadway Minot, ND 58702 Full Service B&M $201,164
    First International Bank & Trust 1601 North 12th Street Bismarck, ND 58501 Full Service B&M $143,483
    First International Bank & Trust 1628 North Higley Road Gilbert, AZ 85234 Full Service B&M $185,085
    First International Bank & Trust 19 Fourth Street E Williston, ND 58801 Full Service B&M $32,478
    First International Bank & Trust 1970 South Columbia Road Suite 110 Grand Forks, ND 58201 Full Service B&M $39,107
    First International Bank & Trust 204 North Main Elgin, ND 58533 Full Service B&M $37,612
    First International Bank & Trust 215 Highway 2 Sw Rugby, ND 58368 Full Service B&M $20,983
    First International Bank & Trust 2150 21st Ave Nw Minot, ND 58701 Full Service B&M $57,944
    First International Bank & Trust 2231 East Camelback Road, Suite #107 Phoenix, AZ 85016 Full Service B&M $90,723
    First International Bank & Trust 300 West 11th Street Williston, ND 58801 Full Service B&M $20,442
    First International Bank & Trust 3001 25th Street South Fargo, ND 58103 Full Service B&M $306,929
    First International Bank & Trust 3101 North Broadway Fargo, ND 58102 Full Service B&M $17,174
    First International Bank & Trust 313 Fox Hills Parkway North Watford City, ND 58854 Full Service B&M $24,257
    First International Bank & Trust 4501 40th Avenue South Fargo, ND 58104 Full Service B&M $79,448
    First International Bank & Trust 616 Oak Street Alexander, ND 58831 Full Service B&M $28,993
    First International Bank & Trust 78 South Main Street Fessenden, ND 58438 Full Service B&M $44,190
    First International Bank & Trust 7900 East Raintree Drive Scottsdale, AZ 85260 Full Service B&M $44,215
    First International Bank & Trust 800 30th Avenue South Moorhead, MN 56560 Full Service B&M $40,177
    First International Bank & Trust 910 Lincoln Avenue Harvey, ND 58341 Full Service B&M $65,125
    First International Bank & Trust Central And High Streets Killdeer, ND 58640 Full Service B&M $62,097
    First International Bank & Trust Highway 10 And Beaulieu Street Motley, MN 56466 Limited, Drive-thru $13,514

    For 2019, First International Bank & Trust had 27 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $148,877
    Net interest income $127,136
    Total noninterest income $43,062
    Gross Fiduciary activities income $6,525
    Service charges on deposit accounts $3,079
    Trading account gains and fees $0
    Additional Noninterest Income $33,458
    Pre-tax net operating income $47,191
    Securities gains (or losses, -) $11
    Income before extraordinary items $47,202
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $47,202
    Minority interest net income $0
    Net income $47,202
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $47,191

    First International Bank & Trust's gross interest income from loans was $148,877,000.
    First International Bank & Trust's net interest income from loans was $127,136,000.
    First International Bank & Trust's fee based income from loans was $3,079,000.
    First International Bank & Trust's net income from loans was $47,202,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $21,741
    Provision for credit losses $5,050
    Total noninterest expense $117,957
    Salaries and employee benefits $63,245
    Premises and equipment expense $22,153
    Additional noninterest expense $32,559
    Applicable income taxes $0
    Net charge-offs $1,859
    Cash dividends $19,150

    First International Bank & Trust's interest expense for loans was $21,741,000.
    First International Bank & Trust's payroll and benefits expense were $63,245,000.
    First International Bank & Trust's property, plant and equipment expenses $22,153,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,058,706
    Deposits held in domestic offices $3,058,706
    Deposits by Individuals, partnerships, and corporations $2,465,618
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $582,294
    Deposits by Commercial banks and other depository institutions in U.S. $10,794
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $621,681
    Demand deposits $552,767
    Nontransaction accounts $2,437,025
    Money market deposit accounts (MMDAs) $690,186
    Other savings deposits (excluding MMDAs) $1,283,420
    Total time deposits $463,419
    Total time and savings deposits $2,505,939
    Noninterest-bearing deposits $691,988
    Interest-bearing deposits $2,366,718
    Retail deposits $2,860,661
    IRAs and Keogh plan accounts $26,930
    Brokered deposits $23,443
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,466,051
    Cash & Balances due from depository institutions $307,857
    Interest-bearing balances $265,470
    Total securities $428,362
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,496,711
    Loan and leases loss allowance $23,846
    Trading account assets $0
    Bank premises and fixed assets $140,045
    Other real estate owned $9,319
    Goodwill and other intangibles $19,036
    All other assets $64,721

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,466,051
    Total Liabilities $3,147,351
    Total deposits $3,058,706
    Interest-bearing deposits $2,366,718
    Deposits held in domestic offices $3,058,706
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $66,000
    Subordinated debt $0
    All other liabilities $22,645

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,496,711
    Loan and leases loss allowance $23,846
    Total loans and leases (domestic) $2,520,557
    All real estate loans $1,696,832
    Real estate loans in domestic offices $1,696,832
    Construction and development loans $293,197
    Residential 1-4 family construction $79,146
    Other construction, all land development and other land $214,051
    Loans secured by nonfarm nonresidential properties $642,799
    Nonfarm nonresidential secured by owner-occupied properties $236,729
    Commercial real estate & other non-farm, non-residential $406,070
    Multifamily residential real estate $134,773
    1-4 family residential loans $410,176
    Farmland loans $215,887
    Loans held in foreign offices $0
    Farm loans $203,968
    Commercial and industrial loans $502,119
    To non-U.S. addressees $0
    Loans to individuals $102,946
    Credit card loans $13,866
    Related Plans $1,649
    Consumer Auto Loans $34,308
    Other loans to individuals $53,123
    All other loans & leases $14,691
    Loans to foreign governments and official institutions $0
    Other loans $85
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $20,320
    Non 1-4 family restructured loans & leases $19,525
    Total loans and leases (foreign) $0

    First International Bank & Trust had $2,496,711,000 of loans outstanding in 2019. $1,696,832,000 of loans were in real estate loans. $293,197,000 of loans were in development loans. $134,773,000 of loans were in multifamily mortgage loans. $410,176,000 of loans were in 1-4 family mortgage loans. $203,968,000 of loans were in farm loans. $13,866,000 of loans were in credit card loans. $34,308,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 347 $85,458 $246,277
    Nonfarm, nonresidential loans - <$100k 65 $3,034 $46,677
    Nonfarm, nonresidential loans - $100-250k 113 $14,513 $128,434
    Nonfarm, nonresidential loans - $250k-1MM 169 $67,911 $401,840
    Commercial & Industrial, US addressed loans - <$1MM 2,343 $200,522 $85,583
    Commercial & Industrial, US addressed loans - <$100k 1,544 $36,880 $23,886
    Commercial & Industrial, US addressed loans - $100-250k 432 $40,735 $94,294
    Commercial & Industrial, US addressed loans - $250k-1MM 367 $122,907 $334,896
    Farmland loans - <$1MM 508 $68,354 $134,555
    Farmland loans - <$100k 172 $7,448 $43,302
    Farmland loans - $100-250k 221 $28,493 $128,928
    Farmland loans - $250k-1MM 115 $32,413 $281,852
    Agriculture operations loans - <$1MM 1,519 $100,224 $65,980
    Agriculture operations loans - <$100k 1,030 $24,388 $23,678
    Agriculture operations loans - $100-250k 297 $30,449 $102,522
    Agriculture operations loans - $250k-1MM 192 $45,387 $236,391