WATFORD CITY BANCSHARES INC is the parent banking group. FIRST INTERNATIONAL BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

WATFORD CITY BANCSHARES INC

Legal name: WATFORD CITY BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $6.0B combined assets

RSSD ID: 1135048 (FFIEC NIC)

Combined Assets

$6.0B

CRA Rating Summary

Satisfactory1charter

Across all 14 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST INTERNATIONAL BANK & TRUSTWATFORD CITY, NDSatisfactory$6.0BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$6.0B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$5.3B

Net Income

$19M

ROA (avg)

1.27%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

1,589

Origination Rate

80.62%

Denial Rate

7.05%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST INTERNATIONAL BANK & TRUST	WATFORD CITY, ND	FDIC	$6.0B	100.0%	Satisfactory	Dec 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.