First Interstate Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.18 percentage points lower than in Q1 2026, at 67.62%. First Interstate Bank ranks 23rd of 35 Montana banks on loan-to-deposit ratio, in the lower half at 65.72% (Q2 2026). First Interstate Bank reported 65.72% on loan-to-deposit ratio for Q2 2026, 21.15 points below the 86.87% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.17B |
| Cash and noninterest-bearing balances to assets | 4.52% |
| Cash and securities | $9.15B |
| Fed funds sold and reverse repos | $62K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $455.2M |
| Other borrowed money | $24.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $81.2M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.72% |
| Net loans and leases to deposits | 64.88% |
| Loans and leases to core deposits | 67.62% |
| Core deposits to total deposits | 97.19% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 76.81% | 96.58% | $889.5M | $2.09B |
| Q4 2023 | 77.66% | 96.58% | $782.7M | $2.62B |
| Q1 2024 | 78.96% | 96.46% | $1.79B | $1.61B |
| Q2 2024 | 78.88% | 96.62% | $741.8M | $2.71B |
| Q3 2024 | 77.99% | 96.48% | $557.2M | $2.12B |
| Q4 2024 | 76.63% | 96.47% | $523.9M | $1.60B |
| Q1 2025 | 75.58% | 96.43% | $528.0M | $991.0M |
| Q2 2025 | 72.48% | 96.38% | $509.4M | $280.4M |
| Q3 2025 | 70.44% | 96.30% | $485.2M | $23.9M |
| Q4 2025 | 68.20% | 96.47% | $479.6M | $24.0M |
| Q1 2026 | 66.66% | 96.88% | $476.1M | $24.3M |
| Q2 2026 | 65.72% | 97.19% | $455.2M | $24.3M |
First Interstate Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Interstate Bank, freeSource: Call Report Schedules RC and RC-M, 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)