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First Interstate Bank

$10B-$250B Specialty: Commercial MT FDIC cert 1105

Billings, MT

274 branches across SD · IA · MT · OR · NE · ID · CO · WA · WY · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in MT.
  • Deposits -5.6% year over year ($21.7B on the books).
  • Delinquency rate 1.13%.
  • Return on assets 1.21%.
  • Efficiency ratio 58.39% vs a 53.67% peer average.
  • Loan-to-deposit ratio 64.88% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 2 in MT
View $10B-$250B leaderboard (MT) →

First Interstate Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 11.1% in tier
  • - ROA 0.18% below tier average
  • - Net Interest Margin 0.37% below tier average
  • - Efficiency Ratio 4.72% above tier average
  • - Delinquency Rate 0.12% above tier average
Get updates when First Interstate Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Total Assets ? $25.8B
-6.2% YoY -2.1% QoQ
-$17.8B $43.6B
-13.8% YoY
$2.2B
+3.0% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $14.1B
-14.4% YoY -3.4% QoQ
-$13.9B $28.0B
-8.6% YoY
$1.4B
+2.6% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $21.7B
-5.6% YoY -2.1% QoQ
-$13.7B $35.4B
-14.0% YoY
$1.8B
+4.6% YoY
$4.9B
+7.3% YoY
54%
Return on Assets ? 1.21%
+25.0% YoY +18.7% QoQ
-0.18% 1.39%
+25.9% YoY
1.54%
-6.6% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 3.55%
+5.9% YoY +1.5% QoQ
-0.37% 3.92%
+8.9% YoY
4.16%
+5.0% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 58.39%
-1.5% YoY -4.3% QoQ
+4.72% 53.67%
-1.9% YoY
60.98%
-0.5% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 1.13%
-3.9% YoY +6.1% QoQ
+0.12% 1.01%
-2.8% YoY
1.28%
+29.2% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 64.88%
-9.3% YoY -1.4% QoQ
-17.73% 82.61%
+3.1% YoY
70.68%
-1.2% YoY
79.03%
+2.3% YoY
Top 12.2% in tier
Non-Interest-Bearing Deposit Share ? 25.79%
-0.6% YoY +3.2% QoQ
+5.21% 20.58%
+4.9% YoY
26.03%
+1.9% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 0.64%
-11.0% YoY +3.8% QoQ
-0.09% 0.73%
+5.8% YoY
0.78%
+50.1% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 14.32%
+7.3% YoY +2.6% QoQ
-1.03% 15.35%
-0.4% YoY
18.68%
-1.3% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.40%
+37.3% YoY +149.2% QoQ
-0.10% 0.50%
+10.5% YoY
1.73%
+7.3% YoY
0.66%
+5.2% YoY
58%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Noninterest-Bearing 25.8%
-0.2pp YoY
+0.8pp QoQ
 +4.8pp 21.0% 26.8% 22.2% 64%
Brokered Deposits n/a n/a 9.2% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
C&I 9.8%
-0.8pp YoY
-0.1pp QoQ
 -7.4pp 17.2% 14.3% 12.5% 23%
CRE 60.3%
0.0pp YoY
+0.7pp QoQ
 +18.2pp 42.0% 42.8% 41.4% 88%
1-4 Family 18.1%
+1.5pp YoY
+0.2pp QoQ
 -5.0pp 23.1% 26.0% 31.3% 38%
Consumer 3.5%
-1.0pp YoY
-0.3pp QoQ
 -9.4pp 12.9% 2.7% 5.0% 65%

Capital

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
CET1 Ratio 14.3%
+1.0pp YoY
+0.4pp QoQ
 -0.9pp 15.3% 22.4% 19.7% 67%
Leverage Ratio 9.4%
+0.1pp YoY
+0.1pp QoQ
 -1.0pp 10.4% 13.2% 12.6% 26%
Total Capital Ratio 15.5%
+1.0pp YoY
+0.3pp QoQ
 -1.1pp 16.5% 23.5% 20.8% 70%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Full-Time Employees 3,016
-230 (-7.1%) YoY
-135 (-4.3%) QoQ
 -242 3,258 284 482 70%
Assets per Employee ($) $8.6M
+1.0% YoY
+2.2% QoQ
 -$18.5M $27.0M $8.1M $8.8M 17%
Branch Count 274
-28 (-9.3%) YoY
-11 (-3.9%) QoQ
 +136 137 21 18 88%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.6% 0.4% 23%
Nonaccrual 1.1%
0.0pp YoY
+0.1pp QoQ
 +0.4pp 0.7% 1.1% 1.0% 87%
Allowance Coverage 1.14x
+5.7% YoY
-9.2% QoQ
 -1.67x 2.81x 3.69x 20.23x 26%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.1pp QoQ
 -0.3pp 0.4% 0.0% 0.2% 50%

Profitability

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
ROE 9.6%
+1.4pp YoY
+1.5pp QoQ
 -3.0pp 12.6% 14.2% 11.6% 37%
Cost of Funds (YTD) 1.1%
-0.3pp YoY
0.0pp QoQ
 -0.8pp 2.0% 1.5% 1.7% 5%
Net Income ($, YTD) $158.4M
+16.1% YoY
— QoQ
 -$138.5M $296.8M $14.9M $40.4M 48%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline
#3 of 18 • Bottom 11.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

18 of 18 Large banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

18
Loan-to-Deposit Ratio
liquidity
Value: 64.88%
Peer Median: 82.61%
#18 of 139 Top 12.2% in $10B-$250B

Top Weaknesses (1 metrics)

106
Delinquency Rate
credit_quality
Value: 1.13%
Peer Median: 1.01%
#106 of 138 Bottom 23.9% in $10B-$250B
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