# FIRST INTERNATIONAL BANK
PLANO, TX · FDIC certificate 33513 · asset band <$300M · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $239.9M | |
| Deposits | $208.8M | |
| Loans and leases | $189.0M | |
| Total equity | $6.6M | |
| Loans / deposits | 83.62% (p75 of band) | 71.80% |
| Liquid assets / assets | 13.66% (p6 of band) | |
| Uninsured deposits / deposits | 0.58% (p4 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.94% (p78 of band) | |
| FHLB advances / assets | 8.94% | |
| Tier 1 leverage | 2.44% (p1 of band) | 9.80% |
| Unrealized securities loss / equity | 0.00% (p12 of band) | 2.62% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | -2.47% (p3 of band) | 0.68% |
| Net interest margin | 3.29% (p21 of band) | 3.84% |
| Efficiency ratio | 200.72% (p99 of band) | |
| Noncurrent loans | 25.41% (p100 of band) | 1.53% |
| Net charge-offs (annualized) | -0.11% (p3 of band) | |
| Reserve coverage of noncurrent | 30.03% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 332.24% (p99 of band) | |
| Auto loans | $581,000 (0.31% of loans; DQ 4.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 68 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-02-21 [FIBT Welcomes Darryl Berger To Board of Directors - First International Bank & Trust](https://news.google.com/rss/articles/CBMijwFBVV95cUxQc1dITC1NdF9IdEJiNnYwSVpiSDhValZrWDdmVGUzak9yc0NmVFQ5d1IyREVrdDRZWGFEYWlacUVoM3B0cG14UTN1SzRxTGN2RmFoeVk4cUxxRTREMTdWeGE1T2dvVkhOdFFIaWJxcGJrTEpHcnJLcjl0Z0d0NTZFQkkzQUV1Q19WclFFTkQ1cw?oc=5) · First International Bank &amp; Trust
- 2017-06-26 [FIRST INTERNATIONAL BANK & TRUST, UND ATHLETICS ANNOUNCE MULTI-YEAR PARTNERSHIP - Learfield](https://news.google.com/rss/articles/CBMisAFBVV95cUxNZGMtODJXS0NqUGp1Ym90Z04zdmFZVXJDdU1pQUlJS0NvZXVLdlNENVc1RGlFR2dTZkNxSXlUWlBxV2ZTRHlxNWdWaWF1SXhnNVhSWE40WTFiXzJOWHYwTjJycHp3bTVEbk9wYlJaY2FWaDM4SzZLM2p0b0JzY2JTdmd2TUIxcGNla2xvN1Y0VXdKVElWaXNPdl9EaVFuZ05HRUkxQ3c2SUROdWFWTjJvSw?oc=5) · Learfield
- 2025-01-03 [New community bank leaders emerge in December - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOVG04ZkFzMFluUmh5cU1lSTRzeW5hc2VpZTNNNjR6WDdTcHFDTGJEMWpYWkI2MlZCYS1Fc0lRUklNU0FpLUo5bTRMT3lNUWY5OEI4THJsLWhUN1FHUU5Bb1cwdzVYRnVEZ19TQWlBWTVSSzN1ak40MFZNVEViX090T0VoTkxUQzVR?oc=5) · American Banker
- 2019-12-18 [FIBT Welcomes Cathrine Grimsrud - First International Bank & Trust](https://news.google.com/rss/articles/CBMid0FVX3lxTE9McGM1QW5uS0dJZmpiLURuY1JFS2lnMHVoREwwWFFMejMzaTB2UzRoU3hnNk9famdVQmpra29mamZ6bWV0dmc2Z1VlaDZyUmI1cmxVcjlySl8yZVRnRWlZcXZDR01RS3REY2JYaHpyZ1hUYmc0ZTlF?oc=5) · First International Bank &amp; Trust
- 2023-12-20 [First International Bank & Trust (ND) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTTA4S1ptNGtxSXowdkFCNXpkb3FOa1Vta3JLTzM4VERiU25EWkR4am1FX1Rnd2hqNTE5WHQ0NWh5czNiMWhCSVVVc2hMMzZ6TGhzVDFRd0pleHhLZ2JvaktjWWs3XzlXVmlBZ0ItdU9mVS1lWjk0T213X25wUEJCbjVUMmFrY05TdHpoQWUzNl9QRXVPOHc?oc=5) · SmartAsset
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33513 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "33513", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide