First Interstate Bank
Total assets
$25.79B
▼ -6.2% YoY
Deposits
$21.73B
▼ -5.6% YoY
Loans
$14.10B
▼ -14.4% YoY
Offices
274
FIRST INTRST BANCSYSTEM
ROA (annualized)
1.21%
ROE (annualized)
9.61%
Peer comparison
No peer data.
Profile
- Established
- 1916
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST INTRST BANCSYSTEM
- Specialization
- Commercial Lending Specialization
- Address
- 401 N 31st St, Billings, MT, 59101
- County
- Yellowstone
- Metro area
- Billings, MT
- Offices
- 274
- FDIC cert #
- 1105
- RSSD ID
- 659855
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.79B | $21.73B | $14.10B | $3.25B | $158.4M | 1.21% | 3.55% | 0.64% |
| Q1 2026 | $26.36B | $22.20B | $14.60B | $3.27B | $67.3M | 1.02% | 3.50% | 0.62% |
| Q4 2025 | $26.57B | $22.40B | $15.08B | $3.37B | $332.7M | 1.20% | 3.43% | 0.52% |
| Q3 2025 | $27.25B | $22.91B | $15.93B | $3.39B | $216.9M | 1.03% | 3.39% | 0.68% |
| Q2 2025 | $27.49B | $23.02B | $16.48B | $3.37B | $136.4M | 0.97% | 3.35% | 0.72% |
| Q1 2025 | $28.20B | $22.99B | $17.16B | $3.32B | $58.0M | 0.81% | 3.28% | 0.70% |
| Q4 2024 | $29.07B | $23.29B | $17.64B | $3.26B | $254.1M | 0.85% | 3.14% | 0.50% |
| Q3 2024 | $29.53B | $23.14B | $17.82B | $3.32B | $196.0M | 0.87% | 3.08% | 0.67% |
Loan mix (Q2 2026): real estate $11.64B · commercial $1.38B · consumer $494.3M · securities $7.99B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | First Interstate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.23% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.3% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.55% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 54.9% | 67th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Interstate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Interstate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Interstate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Interstate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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