Compared with North Dakota
6 of 16
compared fees are above the median.
3 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
24th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the North Dakota median
of 16 compared; 3 below, 7 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for First International Bank & Trust at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the North Dakota median | Published fees above the North Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First International Bank & Trust's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.2% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (24th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $911K in Q2 2026, 1.4% below the same quarter a year earlier ($924K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 16 compared published fees sit above the North Dakota median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Dakota medians for fees published by banks and credit unions.
Monthly Maintenance
Rewards Checking $5.95 · Essential Checking $7.95 · Advantage Checking $12.95 · Convenient Online Account Access $15
Compared at $10.45, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 5.1% from Q3 2025 to Q2 2026, to $911K. Its share of revenue, 1.2%, is below the 2.2% median for banks with $1B to $10B in assets.
$911K
First International Bank & TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5.95 to $15; we compare the midpoint.
First International Bank & Trust · $6.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First International Bank & Trust(this institution) | Watford City, ND | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpine Bank | Glenwood Springs, CO | $6.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Banesco USA | Miami, FL | $6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bradesco Bank | Coral Gables, FL | $6.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| CFG Bank | Lutherville, MD | $6.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Choice Financial Group | Fargo, ND | $6.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Emigrant Bank | Miami, FL | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Bank | St. Louis, MO | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Financial Bank, National Association | Terre Haute, IN | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Internet Bank of Indiana | Fishers, IN | $5.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank of America | East Lansing, MI | $6.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Five Star Bank | Warsaw, NY | $6.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independent Bank | Grand Rapids, MI | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Institution for Savings in Newburyport and Its Vicinity | Newburyport, MA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intrust Bank, National Association | Wichita, KS | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mercantile Bank | Grand Rapids, MI | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Middlesex Savings Bank | Natick, MA | $6.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Orrstown Bank | Harrisburg, PA | $5.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River City Bank | Sacramento, CA | $6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shore United Bank, National Association | Easton, MD | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Washington Trust Company, of Westerly | Westerly, RI | $6.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| TrustCo Bank | Glenville, NY | $6.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Fidelity Bank, fsb | Evansville, IN | $6.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westamerica Bank | San Rafael, CA | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wilson Bank and Trust | Lebanon, TN | $6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10.45, the middle of its four prices, against a peer median of $10 among 16 publishing peers.
Its four checking prices are $5.95, $7.95, $12.95 and $15.
$10.45 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026. Total assets from FDIC and NCUA records.
Call reports for First International Bank & Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $911K | +$27K | +3.1% |
| Q1 2026 | $884K | −$10K | −1.1% |
| Q4 2025 | $894K | −$66K | −6.9% |
| Q3 2025 | $960K | +$36K | +3.9% |
| Q2 2025 | $924K | +$19K | +2.1% |
| Q1 2025 | $905K | +$7K | +0.8% |
| Q4 2024 | $898K | −$3K | −0.3% |
| Q3 2024 | $901K | +$50K | +5.9% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First International Bank & Trust left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First International Bank & Trust by share.
Amounts from First International Bank & Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $12.95Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Rewards Account Monthly Service Charge | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early account closing | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account research | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft fee – Savings Account | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned NSF fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous Overdraft Balance Fee | $30Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
ATM & Card | |||
| ATM and Debit Card replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rushed Debit card fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfers – outgoing: Consumer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers – Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International Wires | $60Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment - per item | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection items | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Account Services | |||
| Garnishments and levies | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Prepaid Gift Cards | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Fax receiving | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First International Bank & Trust operates, and what regulators and customers have on file.
Branch footprint
28 offices in 4 states, $5.5B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| Outside a metro area | 12 | $2.1B |
| 4 | $1.5B | |
| 4 | $716.6M | |
| 3 | $532.5M | |
| 2 | $389.3M | |
| 1 | $98.1M | |
| 1 | $57.9M | |
| 1 | $57.6M |
Fargo, ND-MN
11.9% of bank deposits, #2 of 32, up 3.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bell Bank | 29.1% |
| Gate City Bank | 9.3% |
| Choice Financial Group | 7.9% |
| U.S. Bank National Association | 7.2% |
| Wells Fargo Bank, National Association | 5.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Fargo, ND-MN, First International Bank & Trust holds 11.9% of bank deposits, #2 of 32, with 4 offices.
122 offices of 44 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 32 institutions shown. $12.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 11.9% share, 4 offices, #2 of 32
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
32 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.