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First Interstate Bank
Billings, MT·FDIC Cert #1105·Charter: STATE·Est. 19161009.0·HC: FIRST INTRST BANCSYSTEM
Total Assets
$26.6B
Q4 2025
Return on Assets
1.20%
+0.17%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.03%
Peer avg: 52.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.20%+0.17
ROE
9.95%+1.29
Efficiency
56.03%-2.74
Equity/Assets
0.00%+0.00
NPL Ratio
0.89%-0.25
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
67.35%-2.19
Charge-offs
0.23%+0.10
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 0.8 | 0.8 | 1.0 | 1.0 | 1.2 |
| ROE | 8.4 | 8.3 | 8.1 | 7.9 | 7.0 | 8.2 | 8.7 | 9.9 |
| Efficiency | 61.2 | 60.5 | 59.7 | 59.2 | 60.3 | 59.3 | 58.8 | 56.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 1.0 | 1.1 | 0.8 | 1.1 | 1.2 | 1.1 | 0.9 |
| Charge-offs | 0.2 | 0.2 | 0.4 | 0.6 | 0.2 | 0.2 | 0.1 | 0.2 |
| Loan/Deposit | 78.0 | 77.9 | 77.0 | 75.8 | 74.6 | 71.6 | 69.5 | 67.3 |
Balance Sheet
Total Assets$26.6B
Total Deposits$22.4B
Total Loans$15.1B
Total Equity$3.4B
Profitability
ROA1.20%
ROE9.95%
Efficiency Ratio56.03%
Net Income$332.7M
Risk & Asset Quality
NPL Ratio0.89%
Charge-off Rate0.23%
Loan/Deposit67.35%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans