First Interstate Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings fell 3.0% from Q1 2026 to Q2 2026, ending at $289.4M against $298.4M. It was the largest change among the key lines on this page. Within Montana, First Interstate Bank is 11th of 21 on CET1 ratio, 14.32% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. First Interstate Bank sits 1.36 points higher, at 14.32% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.32% |
| Tier 1 risk-based capital ratio | 14.32% |
| Total risk-based capital ratio | 15.46% |
| Tier 1 leverage ratio | 9.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.37B |
| Tier 1 capital | $2.37B |
| Total risk-based capital | $2.56B |
| Total equity capital | $3.25B |
| Risk-weighted assets | $16.55B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.60% |
| Tangible equity to tangible assets | 8.54% |
| Equity capital to average assets | 12.40% |
| Internal capital growth rate | -1.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50.0M |
| Common stock surplus | $3.12B |
| Retained earnings | $289.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$203.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.41% | 11.41% | 12.43% | 8.50% | $22.39B |
| Q4 2023 | 11.01% | 11.01% | 12.04% | 8.16% | $22.10B |
| Q1 2024 | 11.29% | 11.29% | 12.38% | 8.22% | $21.64B |
| Q2 2024 | 11.45% | 11.45% | 12.52% | 8.37% | $21.48B |
| Q3 2024 | 11.78% | 11.78% | 12.83% | 8.52% | $21.05B |
| Q4 2024 | 12.12% | 12.12% | 13.10% | 8.68% | $20.55B |
| Q1 2025 | 12.51% | 12.51% | 13.62% | 9.04% | $19.91B |
| Q2 2025 | 13.35% | 13.35% | 14.49% | 9.31% | $18.80B |
| Q3 2025 | 13.74% | 13.74% | 14.92% | 9.48% | $18.17B |
| Q4 2025 | 14.13% | 14.13% | 15.26% | 9.44% | $17.40B |
| Q1 2026 | 13.95% | 13.95% | 15.14% | 9.32% | $17.03B |
| Q2 2026 | 14.32% | 14.32% | 15.46% | 9.42% | $16.55B |
First Interstate Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Interstate Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Interstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1105) · FFIEC NIC profile (RSSD 659855)