BlastPoint's Banking Scorecard
First Interstate Bank
Billings, MT
279 branches across SD · IA · MT · NE · OR · ID · CO · WA · WY · MO · MN
First Interstate Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 16.7% in tier
- - ROA 0.26% below tier average
- - Net Interest Margin 0.28% below tier average
- - Efficiency Ratio 7.02% above tier average
- - Delinquency Rate 0.05% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.4B
-6.5% YoY
-0.8% QoQ
|
-$20.6B |
$47.0B
-1.9% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$14.6B
-14.9% YoY
-3.2% QoQ
|
-$14.8B |
$29.4B
-0.4% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$22.2B
-3.4% YoY
-0.9% QoQ
|
-$16.2B |
$38.4B
-1.6% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.02%
+25.6% YoY
-15.3% QoQ
|
-0.26% |
1.28%
+18.7% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
3.50%
+6.7% YoY
+2.0% QoQ
|
-0.28% |
3.77%
+5.8% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
61.02%
+1.1% YoY
+8.9% QoQ
|
+7.02% |
54.01%
-3.7% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
1.07%
-6.0% YoY
+19.4% QoQ
|
+0.05% |
1.02%
-3.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
65.77%
-11.9% YoY
-2.3% QoQ
|
-15.02% |
80.79%
+1.9% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
Top 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.99%
-1.8% YoY
+0.0% QoQ
|
+4.95% |
20.04%
+0.2% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.62%
-12.4% YoY
+18.4% QoQ
|
-0.11% |
0.72%
+4.2% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
13.95%
+11.5% YoY
-1.2% QoQ
|
-1.56% |
15.51%
-0.4% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.16%
+11.8% YoY
-81.3% QoQ
|
-0.06% |
0.22%
+0.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.