First International Bank & Trust (FIBT) is a full-service, family-owned independent community bank that has been serving customers since 1910. Initially founded as Farmer’s State Bank to cater to the small community of Arnegard, North Dakota, FIBT has expanded its services to rural and urban communities across Arizona, Minnesota, North Dakota, and South Dakota. Throughout its 100+ years in business, FIBT has adapted to economic cycles and technological changes, remaining nimble in its approach to lending and business operations. The bank prides itself on a relationship-based business model, fostering long-term trust with its customers. FIBT has a rich history of resilience, being the only bank in McKenzie County, North Dakota, to survive the Great Depression. The bank’s commitment to sound lending decisions and responsible choices has enabled it to protect its customers and communities during challenging times. As a family-owned, independent community bank, FIBT emphasizes the safety of its customers’ money, property, and personal information. The bank is FDIC-insured, and no one has ever lost a dime of FDIC-insured deposits up to $250,000. FIBT remains well-capitalized and positioned to serve its communities for generations to come. The bank has diversified its assets through specialized divisions like Kotapay, which celebrated its 30th year in April 2023, providing electronic transaction services to over 107,000 companies nationwide.