First International B&T (FDIC #10248): Bank Stress & Real-Estate Credit Exposure
First International B&T (FDIC Cert #10248): bank stress 72/100, elevated, STABLE over 7 days; parent WATFORD CITY BANCSHARES INC.
First International B&T (#10248) lends in 17 counties across 4 states; First International B&T (#10248) reaches 445 ZIP codes: North Dakota 11 counties, 158 ZIPs; Minnesota 4 counties, 124 ZIPs; Arizona 1 county, 140 ZIPs; South Dakota 1 county, 23 ZIPs.
First International B&T (#10248) largest markets: Maricopa County, AZ (560 branches, 140 ZIPs) (#10248), Hennepin County, MN (73 branches, 73 ZIPs) (#10248), Cass County, ND (90 branches, 30 ZIPs) (#10248), Ward County, ND (72 branches, 24 ZIPs) (#10248), Minnehaha County, SD (23 branches, 23 ZIPs) (#10248), Grand Forks County, ND (22 branches, 22 ZIPs) (#10248).
First International B&T (#10248) reports $6.18 billion in total assets; First International B&T (#10248) equity $517.7 million (8.4% of First International B&T (#10248) assets); First International B&T (#10248) domestic deposits $5.46 billion; First International B&T (#10248) net income $37.3 million; First International B&T (#10248) return on assets 1.22%; First International B&T (#10248) return on equity 14.47%; First International B&T (#10248) net interest income $117.0 million; First International B&T (#10248) call report June 30, 2026.
First International B&T (#10248) noncurrent real-estate loans 0.29% of its book; First International B&T (#10248) multifamily -0.01%; First International B&T (#10248) residential 0.66%; First International B&T (#10248) net charge-offs on real estate 1.66%; First International B&T (#10248) residential charge-offs 2.64%.
First International B&T (#10248) net interest margin 4.06% against an eight-quarter First International B&T (#10248) average of 4.01% (First International B&T (#10248) compression -0.04 points); First International B&T (#10248) real-estate loans 28.6% of equity; First International B&T (#10248) non-residential real estate 263.8% of equity; First International B&T (#10248) rate-exposure score 40/100, First International B&T (#10248) fixed-rate trap 40/100; First International B&T (#10248) risk type credit driven; First International B&T (#10248) rate regime rates elevated, First International B&T (#10248) snapshot October 19, 2026.
First International B&T (#10248) stress score moved from 68.6 on June 22, 2026 to 71.9 on October 20, 2026; First International B&T (#10248) ranged 68.6 to 71.9 over 117 snapshots.
First International B&T (#10248) alerts: 17 counties; top First International B&T (#10248) alert scores: Grand Forks County, ND 48 (moderate); Bismarck County, ND 25 (low); Elgin County, ND 25 (low); Harvey County, ND 25 (low); Killdeer County, ND 25 (low).