Legacy in Action: Our 2025 Annual Report

At First International Bank & Trust (FIBT), our Annual Report is more than a look back at the past year. It’s an opportunity to see what your bank is doing to protect, improve, and invest in your financial future. It’s where you can see our legacy in action through the work we do and the commitments we uphold.

The 2025 Annual Report shows how the decisions we made this year translate into real benefits for the people and businesses we serve. Inside, you’ll see how we’re strengthening our financial foundation to remain a stable, trusted partner and how we’re continuing to invest in better tools, services, and experiences for you.

You’ll also hear directly from our leadership team about where we’re headed and why it matters. From how we reinvest in local communities, to how innovation and thoughtful growth help us serve customers better, this report connects the dots between our performance and your confidence in banking with FIBT.

Whether you choose to watch the video or explore the digital report, you’ll gain a clearer understanding of:

• How we’re performing and planning for the future
• How we’re supporting long term community growth
• How our values guide the way we do business – today and every day

If you want to know why FIBT continues to be a bank you can rely on, we invite you to watch the full Annual Report video here or on YouTube. Prefer to read? A digital version is also available here.