# EDGAR Filing Document

**Accession Number:** 0001910370
**File Stem:** 0000930413-25-003200
**Filing Date:** 2025-10
**Character Count:** 13471
**Document Hash:** a3e86ab4bb9bf0e3494e684454e33f7a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000930413-25-003200.hdr.sgml**: 20251007

**ACCESSION NUMBER**: 0000930413-25-003200

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251007

**DATE AS OF CHANGE**: 20251007

**EFFECTIVENESS DATE**: 20251007

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** First International Bank & Trust
- **CENTRAL INDEX KEY:** 0001910370

**ORGANIZATION NAME:**
- **EIN:** 450134280
- **STATE OF INCORPORATION:** ND
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22393
- **FILM NUMBER:** 251379799

**BUSINESS ADDRESS:**
- **STREET 1:** 100 NORTH MAIN STREET
- **CITY:** WATFORD CITY
- **STATE:** ND
- **ZIP:** 58854
- **BUSINESS PHONE:** 602-396-1981

**MAIL ADDRESS:**
- **STREET 1:** 100 NORTH MAIN STREET
- **CITY:** WATFORD CITY
- **STATE:** ND
- **ZIP:** 58854

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** First International Bank  Trust<br>**Address:** 100 NORTH MAIN STREET<br>WATFORD CITY, ND 58854

**Form 13F File Number:** 028-22393

**SEC File Number (if applicable):** 28-22393

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** D. Patrick Franklin<br>**Title:** SVP Director of Wealth Management<br>**Phone:** 602-396-1981

**Signature, Place, and Date of Signing:**

/s/ D. Patrick Franklin  Phoenix, AZ  10-02-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[ ] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[x] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 1

**Form 13F Information Table Entry Total:** 84

**Form 13F Information Table Value Total:** $287723729

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

|   No. | Name   | Form 13F File Number   | CRD Number   | SEC File Number   |
|---:|:---|:---|:---|:---|
|     1 | None   |  |  |  |

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | Common Stock | 00287Y109 |  | 237097 | 1024 | SH |  | SOLE |  | 1024 | 0 | 0 |
| ALKAMI TECHNOLOGY INC | Common Stock | 01644J108 |  | 1150340 | 46310 | SH |  | OTR |  | 46310 | 0 | 0 |
| AMAZON INC COMMON | Common Stock | 023135106 |  | 54893 | 250 | SH |  | OTR |  | 250 | 0 | 0 |
| AMAZON INC COMMON | Common Stock | 023135106 |  | 586471 | 2671 | SH |  | SOLE |  | 2671 | 0 | 0 |
| AMERICAN EXPRESS CO | Common Stock | 025816109 |  | 582941 | 1755 | SH |  | SOLE |  | 1755 | 0 | 0 |
| AMERICAN EXPRESS CO | Common Stock | 025816109 |  | 1162560 | 3500 | SH |  | OTR |  | 3500 | 0 | 0 |
| AMGEN INC | Common Stock | 031162100 |  | 265832 | 942 | SH |  | SOLE |  | 942 | 0 | 0 |
| AMGEN INC | Common Stock | 031162100 |  | 2540 | 9 | SH |  | OTR |  | 9 | 0 | 0 |
| ANFIELD CAPITAL UNIVERSAL FIXED INCOME | Fixed Income ETF | 90214Q766 |  | 68094252 | 7251784 | SH |  | SOLE |  | 7251784 | 0 | 0 |
| ANFIELD CAPITAL UNIVERSAL FIXED INCOME | Fixed Income ETF | 90214Q766 |  | 3349629 | 356723 | SH |  | OTR |  | 356723 | 0 | 0 |
| ANFIELD CAPITAL US EQUITY SECTOR ROTATION | Exchange Traded Fund | 90214Q733 |  | 686878 | 33376 | SH |  | OTR |  | 33376 | 0 | 0 |
| ANFIELD CAPITAL US EQUITY SECTOR ROTATION | Exchange Traded Fund | 90214Q733 |  | 14046467 | 682530 | SH |  | SOLE |  | 682530 | 0 | 0 |
| APPLE INC | Common Stock | 037833100 |  | 335857 | 1319 | SH |  | SOLE |  | 1319 | 0 | 0 |
| APPLE INC | Common Stock | 037833100 |  | 636575 | 2500 | SH |  | OTR |  | 2500 | 0 | 0 |
| AUTOMATIC DATA PROCESSING | Common Stock | 053015103 |  | 616644 | 2101 | SH |  | SOLE |  | 2101 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL  CL B NEW | Common Stock | 084670702 |  | 754110 | 1500 | SH |  | OTR |  | 1500 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL  CL B NEW | Common Stock | 084670702 |  | 951184 | 1892 | SH |  | SOLE |  | 1892 | 0 | 0 |
| BERKSHIRE HATHAWAY INC. DEL CL A | Common Stock | 084670108 |  | 3771000 | 5 | SH |  | OTR |  | 5 | 0 | 0 |
| BLACKROCK ISHARES 1-5 YEAR INVESTMENT GRADE | Fixed Income ETF | 464288646 |  | 1763194 | 33249 | SH |  | SOLE |  | 33249 | 0 | 0 |
| BLACKROCK ISHARES NATIONAL MUNICIPAL BOND | Fixed Income ETF | 464288414 |  | 2151737 | 20206 | SH |  | SOLE |  | 20206 | 0 | 0 |
| BLACKROCK ISHARES RUSSELL MID-CAP GROWTH | Exchange Traded Fund | 464287481 |  | 215609 | 1514 | SH |  | OTR |  | 1514 | 0 | 0 |
| BLACKROCK ISHARES ULTRA SHORT-TERM BOND | Fixed Income ETF | 46434V878 |  | 5652637 | 111382 | SH |  | SOLE |  | 111382 | 0 | 0 |
| BLACKROCK ISHARES US SMALL-CAP EQUITY FACTOR | Exchange Traded Fund | 46434V290 |  | 12671768 | 170434 | SH |  | SOLE |  | 170374 | 0 | 60 |
| BLACKROCK ISHARES US SMALL-CAP EQUITY FACTOR | Exchange Traded Fund | 46434V290 |  | 598964 | 8056 | SH |  | OTR |  | 8056 | 0 | 0 |
| CENTERSPACE | Common Stock | 15202L107 |  | 9836 | 167 | SH |  | SOLE |  | 167 | 0 | 0 |
| CENTERSPACE | Common Stock | 15202L107 |  | 217518 | 3693 | SH |  | OTR |  | 3693 | 0 | 0 |
| CHEVRON CORPORATION         COMMON | Common Stock | 166764100 |  | 698805 | 4500 | SH |  | OTR |  | 4500 | 0 | 0 |
| CISCO SYSTEMS | Common Stock | 17275R102 |  | 2532 | 37 | SH |  | OTR |  | 37 | 0 | 0 |
| CISCO SYSTEMS | Common Stock | 17275R102 |  | 301253 | 4403 | SH |  | SOLE |  | 4403 | 0 | 0 |
| COCA COLA | Common Stock | 191216100 |  | 211229 | 3185 | SH |  | SOLE |  | 3185 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION | Common Stock | 22160K105 |  | 430418 | 465 | SH |  | SOLE |  | 465 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION | Common Stock | 22160K105 |  | 1221832 | 1320 | SH |  | OTR |  | 1320 | 0 | 0 |
| DEERE  COMPANY | Common Stock | 244199105 |  | 563344 | 1232 | SH |  | OTR |  | 1232 | 0 | 0 |
| DEERE  COMPANY | Common Stock | 244199105 |  | 390500 | 854 | SH |  | SOLE |  | 854 | 0 | 0 |
| EXXON MOBIL CORP | Common Stock | 30231G102 |  | 146575 | 1300 | SH |  | OTR |  | 1300 | 0 | 0 |
| EXXON MOBIL CORP | Common Stock | 30231G102 |  | 77910 | 691 | SH |  | SOLE |  | 691 | 0 | 0 |
| FIRST TRUST LOW DURATION OPPORTUNITIES | Fixed Income ETF | 33739Q200 |  | 340115 | 6831 | SH |  | OTR |  | 6831 | 0 | 0 |
| FIRST TRUST LOW DURATION OPPORTUNITIES | Fixed Income ETF | 33739Q200 |  | 9915031 | 199137 | SH |  | SOLE |  | 199007 | 0 | 130 |
| GOLDMAN SACHS ACTIVEBETA US LARGE CAP EQUITY | Exchange Traded Fund | 381430503 |  | 472004 | 3623 | SH |  | SOLE |  | 3623 | 0 | 0 |
| INTL BUSINESS MACHINES | Common Stock | 459200101 |  | 5079 | 18 | SH |  | OTR |  | 18 | 0 | 0 |
| INTL BUSINESS MACHINES | Common Stock | 459200101 |  | 248301 | 880 | SH |  | SOLE |  | 880 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD TR | Exchange Traded Fund | 46137V241 |  | 855294 | 11670 | SH |  | OTR |  | 11670 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD TR | Exchange Traded Fund | 46137V241 |  | 40196120 | 548453 | SH |  | SOLE |  | 548103 | 0 | 350 |
| INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND | Fixed Income ETF | 46138E719 |  | 292839 | 15761 | SH |  | SOLE |  | 15761 | 0 | 0 |
| INVESCO S MID-CAP QUALITY | Exchange Traded Fund | 46137V472 |  | 585992 | 5583 | SH |  | OTR |  | 5583 | 0 | 0 |
| INVESCO S MID-CAP QUALITY | Exchange Traded Fund | 46137V472 |  | 11280576 | 107475 | SH |  | SOLE |  | 107433 | 0 | 42 |
| JANUS HENDERSON AAA CLO | Fixed Income ETF | 47103U845 |  | 2771115 | 54571 | SH |  | SOLE |  | 54516 | 0 | 55 |
| JP MORGAN ULTRA-SHORT INCOME | Fixed Income ETF | 46641Q837 |  | 5668875 | 111746 | SH |  | SOLE |  | 111746 | 0 | 0 |
| LOWES COMPANIES INC | Common Stock | 548661107 |  | 251813 | 1002 | SH |  | SOLE |  | 1002 | 0 | 0 |
| MCDONALD'S CORPORATION | Common Stock | 580135101 |  | 209684 | 690 | SH |  | SOLE |  | 690 | 0 | 0 |
| MCDONALD'S CORPORATION | Common Stock | 580135101 |  | 2735 | 9 | SH |  | OTR |  | 9 | 0 | 0 |
| MICROSOFT | Common Stock | 594918104 |  | 2514129 | 4854 | SH |  | SOLE |  | 4854 | 0 | 0 |
| PHILIP MORRIS INTL INC      COM | Common Stock | 718172109 |  | 245895 | 1516 | SH |  | SOLE |  | 1516 | 0 | 0 |
| PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE | Fixed Income ETF | 72201R866 |  | 2996794 | 57322 | SH |  | SOLE |  | 57322 | 0 | 0 |
| SCHWAB US SMALL-CAP | Exchange Traded Fund | 808524607 |  | 2783388 | 99763 | SH |  | SOLE |  | 99763 | 0 | 0 |
| SCHWAB US SMALL-CAP | Exchange Traded Fund | 808524607 |  | 223674 | 8017 | SH |  | OTR |  | 7475 | 542 | 0 |
| STATE STREET SPDR  BLOOMBERG  1-3 MONTH T-BILL | Fixed Income ETF | 78468R663 |  | 5634184 | 61408 | SH |  | SOLE |  | 61408 | 0 | 0 |
| STATE STREET SPDR  BLOOMBERG  1-3 MONTH T-BILL | Fixed Income ETF | 78468R663 |  | 55050 | 600 | SH |  | OTR |  | 600 | 0 | 0 |
| STATE STREET SPDR COMMUNICATION | Exchange Traded Fund | 81369Y852 |  | 336763 | 2845 | SH |  | SOLE |  | 2845 | 0 | 0 |
| STATE STREET SPDR FINANCIAL | Exchange Traded Fund | 81369Y605 |  | 304312 | 5649 | SH |  | SOLE |  | 5649 | 0 | 0 |
| STATE STREET SPDR HEALTH CARE | Exchange Traded Fund | 81369Y209 |  | 318282 | 2287 | SH |  | SOLE |  | 2287 | 0 | 0 |
| STATE STREET SPDR MULTI-ASSET REAL RETURN | Exchange Traded Fund | 78467V103 |  | 22546013 | 730117 | SH |  | SOLE |  | 729717 | 0 | 400 |
| STATE STREET SPDR MULTI-ASSET REAL RETURN | Exchange Traded Fund | 78467V103 |  | 1445585 | 46813 | SH |  | OTR |  | 46813 | 0 | 0 |
| STATE STREET SPDR NUVEEN BLMBERG SHORT TERM MUNI | Fixed Income ETF | 78468R739 |  | 2218072 | 45999 | SH |  | SOLE |  | 45999 | 0 | 0 |
| STATE STREET SPDR S 400 MID-CAP | Exchange Traded Fund | 78464A847 |  | 392495 | 6863 | SH |  | OTR |  | 5567 | 1296 | 0 |
| STATE STREET SPDR S 400 MID-CAP | Exchange Traded Fund | 78464A847 |  | 2406040 | 42071 | SH |  | SOLE |  | 42071 | 0 | 0 |
| STATE STREET SPDR S 500 INDEX | Exchange Traded Fund | 78462F103 |  | 2435554 | 3656 | SH |  | OTR |  | 3656 | 0 | 0 |
| STATE STREET SPDR S 500 INDEX | Exchange Traded Fund | 78462F103 |  | 17065533 | 25617 | SH |  | SOLE |  | 25580 | 0 | 37 |
| STATE STREET SPDR TECHNOLOGY | Exchange Traded Fund | 81369Y803 |  | 613891 | 2178 | SH |  | SOLE |  | 2178 | 0 | 0 |
| THE BOEING COMPANY | Common Stock | 097023105 |  | 215830 | 1000 | SH |  | OTR |  | 1000 | 0 | 0 |
| VANECK MORNINGSTAR WIDE MOAT | Exchange Traded Fund | 92189F643 |  | 1629864 | 16445 | SH |  | OTR |  | 16445 | 0 | 0 |
| VANECK MORNINGSTAR WIDE MOAT | Exchange Traded Fund | 92189F643 |  | 401098 | 4047 | SH |  | SOLE |  | 4047 | 0 | 0 |
| VANGUARD GROWTH INDEX | Exchange Traded Fund | 922908736 |  | 724691 | 1511 | SH |  | SOLE |  | 1511 | 0 | 0 |
| VANGUARD MID-CAP INDEX | Exchange Traded Fund | 922908629 |  | 205618 | 700 | SH |  | SOLE |  | 700 | 0 | 0 |
| VANGUARD REAL ESTATE INDEX | Exchange Traded Fund | 922908553 |  | 977006 | 10687 | SH |  | SOLE |  | 10687 | 0 | 0 |
| VANGUARD VALUE INDEX FUND | Exchange Traded Fund | 922908744 |  | 364028 | 1952 | SH |  | SOLE |  | 1952 | 0 | 0 |
| VERIZON COMMUNICATIONS | Common Stock | 92343V104 |  | 75770 | 1724 | SH |  | SOLE |  | 1724 | 0 | 0 |
| VERIZON COMMUNICATIONS | Common Stock | 92343V104 |  | 379772 | 8641 | SH |  | OTR |  | 8641 | 0 | 0 |
| VISA INC | Common Stock | 92826C839 |  | 18776 | 55 | SH |  | SOLE |  | 55 | 0 | 0 |
| VISA INC | Common Stock | 92826C839 |  | 341380 | 1000 | SH |  | OTR |  | 1000 | 0 | 0 |
| WAL-MART STORES INC | Common Stock | 931142103 |  | 1030600 | 10000 | SH |  | OTR |  | 10000 | 0 | 0 |
| WAL-MART STORES INC | Common Stock | 931142103 |  | 851482 | 8262 | SH |  | SOLE |  | 8262 | 0 | 0 |
| WisdomTree Japan Hedged Equity Fund | International Equity ETF | 97717W851 |  | 17208000 | 134406 | SH |  | SOLE |  | 134368 | 0 | 38 |
| WisdomTree Japan Hedged Equity Fund | International Equity ETF | 97717W851 |  | 1057656 | 8261 | SH |  | OTR |  | 8028 | 233 | 0 |

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