Bank · FDIC insured
First International Bank & Trust
A $6.2B bank, the 239th largest of 4,207, headquartered in Watford City, ND, with 28 branches in 4 states. Best rates: CDs 4.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website.
- CDs—4.25%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First International Bank & Trust
Founded in 1910 in Arnegard, North Dakota, First International Bank & Trust has been owned and operated by four generations of the Stenehjem family.
The financial institution serves communities across Arizona, Minnesota, North Dakota, and South Dakota.
- Headquarters
- 100 N Main St, Watford City, ND 58854
- FDIC certificate
- 10248 ↗
Branches
28 branches in 4 states
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North Dakota
19 branches
Fargo area · 3
- South Branch3001 25th St S, Fargo, ND 58103Directions
- Southwest Fargo Branch4501 40th Ave S, Fargo, ND 58104Directions
- West Fargo Branch1350 13th Ave E, West Fargo, ND 58078Directions
Minot area · 3
- Arrowhead Branch150 16th St Sw, Minot, ND 58701Directions
- Minot Branch1600 S Broadway, Minot, ND 58701Directions
- North Hill Branch2150 21st Ave Nw, Minot, ND 58703Directions
Watford City area · 2
- First International Bank & TrustMain office100 N Main St, Watford City, ND 58854Directions
- Watford City Fox Hills Branch313 Fox Hills Parkway North, Watford City, ND 58854Directions
Bismarck area · 2
- Bismarck Branch1601 N 12th St, Bismarck, ND 58501Directions
- Mandan, Nd Branch4530 Memorial Hwy, Mandan, ND 58554Directions
Williston area · 2
- First International Bank & Trust1331 9th Ave W, Williston, ND 58801Directions
- Williston Branch19 4th St E, Williston, ND 58801Directions
Alexander area · 1
- Alexander Branch616 Oak Street, Alexander, ND 58831Directions
Elgin area · 1
- Elgin Branch204 N Main St, Elgin, ND 58533Directions
Fessenden area · 1
- Fessenden Branch78 Main Ave S, Fessenden, ND 58438Directions
Grand Forks area · 1
- Grand Forks Branch1970 S Columbia Rd, Grand Forks, ND 58201Directions
Harvey area · 1
- Harvey Branch910 Lincoln Ave, Harvey, ND 58341Directions
Dickinson area · 1
- Killdeer BranchCentral And High Streets, Killdeer, ND 58640Directions
Rugby area · 1
- Rugby Branch215 Highway 2 Sw, Rugby, ND 58368Directions
Arizona
4 branches
- Chandler Az Location6025 W Chandler Blvd, Chandler, AZ 85226Directions
- First International Bank & Trust1628 N Higley Rd, Gilbert, AZ 85234Directions
- Camelback2231 E Camelback Rd, Phoenix, AZ 85016Directions
- Airpark Branch7900 E Raintree Dr, Scottsdale, AZ 85260Directions
Minnesota
4 branches
Minneapolis area · 1
- Edina, Mn Branch3600 Minnesota Dr, Edina, MN 55435Directions
Fargo area · 1
- Moorhead Branch865 37th Ave S, Moorhead, MN 56560Directions
Motley area · 1
- Motley BranchHighway 10 And Beaulieu Street, Motley, MN 56466Directions
Staples area · 1
- Staples Branch111 4th St Ne, Staples, MN 56479Directions
South Dakota
1 branch
- Sioux Falls - Downtown Branch601 S Minnesota Ave, Sioux Falls, SD 57104Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.06% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.54% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.22% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalLeverage ratio9.06%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.54%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.22%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First International Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.