This institution is no longer active

Operations ceased on November 10, 2000. CRA examination history below reflects the period it was active.

FIRST INTERNATIONAL BANK & TRUST

SCOTTSDALE, AZ · Supervised by FDIC

Est. 1995FDIC #34,066RSSD: FDIC-34066

Part ofWATFORD CITY BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: May 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.96%

Institution Profile

FDIC BankFind

Address

6840 East Indian School Road, SCOTTSDALE, AZ

County

Maricopa County

Established

September 22, 1995

Total Assets

$81M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2000Call Report / FDIC

Total Assets

$81M

Total Deposits

$72M

Net Loans

$49M

Net Income

$492K

ROA

0.96%

ROE

8.68%

Risk-Based Capital

13.84%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.59%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,791	80.23%	6.59%
2023	1,589	80.62%	7.05%
2022	2,321	82.03%	5.39%
2021	2,807	82.29%	2.92%
2020	2,440	82.91%	3.48%
2019	1,540	84.29%	3.83%
2018	1,193	87.34%	3.27%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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