STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
134
2010–2026
Total Volume
$99M
Gross loan amounts
States Active
6
With recorded loans
Programs
7(a) & 504
134 total segments
With 78% of their SBA deals being 504 loans, First International Bank & Trust is a strong choice for borrowers focused on real estate or equipment financing. This is significantly higher than the national average of around 18%.
The average deal size at First International Bank & Trust is $735,828, indicating they are well-suited for medium to larger projects. If you're seeking a loan under $150K, you may find better options elsewhere.
The lender has shown a positive growth trend of 9% year-over-year, suggesting they are expanding their lending capacity. This could mean more favorable terms and a willingness to take on new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 104 504 loans, which use fixed SBA debenture rates.
States where FIRST INTERNATIONAL BANK & TRUST has recorded SBA lending activity.
+ 1 more state
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Real Estate
Real Estate
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Other Repair & Services
Other Services
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for FIRST INTERNATIONAL BANK & TRUST, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| North Dakota · Building Construction · $150K – $350K | 504 | 4 | — | $232K | Q4 2023 |
| North Dakota · General Merchandise · Under $150K | 7(a) | 3 | P+2.72% | $93K | Q3 2017 |
| North Dakota · Real Estate · $150K – $350K | 504 | 3 | — | $228K | Q3 2022 |
| North Dakota · Manufacturing · Under $150K | 7(a) | 3 | P+3.75% | $70K | Q2 2013 |
| North Dakota · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+3.38% | $104K | Q1 2010 |
| North Dakota · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $197K | Q1 2023 |
| South Dakota · Real Estate · $150K – $350K | 504 | 2 | — | $207K | Q2 2023 |
| North Dakota · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $707K | Q4 2023 |
| North Dakota · Arts, Entertainment & Recreation · $500K – $1M | 504 | 2 | — | $793K | Q1 2021 |
| North Dakota · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $252K | Q3 2021 |
| North Dakota · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $284K | Q3 2022 |
| North Dakota · Restaurants & Food Service · $1M – $2M | 504 | 2 | — | $1.3M | Q1 2024 |
| North Dakota · Other Health Practitioners · $1M – $2M | 504 | 2 | — | $1.3M | Q3 2025 |
| Minnesota · Other Repair & Services · Under $150K | 7(a) | 2 | P+1.50% | $71K | Q1 2020 |
| North Dakota · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+3.17% | $78K | Q4 2010 |
| Minnesota · Specialty Trade Contractors · $1M – $2M | 504 | 2 | — | $1.5M | Q1 2022 |
| Arizona · Manufacturing · $500K – $1M | 504 | 2 | — | $722K | Q1 2024 |
| North Dakota · Other Health Practitioners · Under $150K | 504 | 2 | — | $108K | Q1 2022 |
| North Dakota · Other Repair & Services · $500K – $1M | 504 | 2 | — | $637K | Q4 2025 |
| North Dakota · Other Professional Services · $500K – $1M | 504 | 2 | — | $824K | Q4 2019 |
| Minnesota · Transportation & Warehousing · $150K – $350K | 504 | 1 | — | $344K | Q2 2020 |
| Arizona · Auto Repair & Maintenance · $350K – $500K | 504 | 1 | — | $428K | Q2 2022 |
| North Dakota · Administrative & Waste Services · $1M – $2M | 504 | 1 | — | $1.2M | Q3 2021 |
| Arizona · Specialty Trade Contractors · $350K – $500K | 504 | 1 | — | $351K | Q2 2025 |
| North Dakota · Administrative & Waste Services · $350K – $500K | 504 | 1 | — | $469K | Q3 2019 |
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Real experiences from borrowers who closed SBA loans with FIRST INTERNATIONAL BANK & TRUST.
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