First Interstate Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 97.0% lower than in Q1 2026, at $2.1M. Within Montana, First Interstate Bank is 23rd of 35 on loan-to-deposit ratio, 65.72% as of 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.28B |
| Net loans and leases | $14.10B |
| Loans held for sale | $2.1M |
| Loans to total assets | 55.37% |
| Loan-to-deposit ratio | 65.72% |
| Net loans to equity capital | 4.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.49% |
| Multifamily (5+ residential) | 12.93% |
| Commercial and industrial | 9.68% |
| Consumer | 3.46% |
| Credit cards | 0.00% |
| Farm | 4.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 231.69% |
| Construction concentration (Tier 1 capital + allowance) | 22.58% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.61% |
| Interest income on loans | $202.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $18.27B | $23.79B | 38.39% | 11.20% | 5.27% |
| Q4 2023 | $18.33B | $23.60B | 38.79% | 11.11% | 5.22% |
| Q1 2024 | $18.23B | $23.08B | 40.95% | 11.27% | 5.20% |
| Q2 2024 | $18.26B | $23.14B | 39.60% | 11.65% | 5.19% |
| Q3 2024 | $18.05B | $23.14B | 39.90% | 11.02% | 5.29% |
| Q4 2024 | $17.85B | $23.29B | 40.25% | 10.77% | 5.25% |
| Q1 2025 | $17.38B | $22.99B | 40.80% | 10.87% | 5.10% |
| Q2 2025 | $16.69B | $23.02B | 41.61% | 10.51% | 4.44% |
| Q3 2025 | $16.14B | $22.91B | 41.95% | 10.37% | 4.18% |
| Q4 2025 | $15.28B | $22.40B | 41.62% | 9.46% | 4.00% |
| Q1 2026 | $14.80B | $22.20B | 41.56% | 9.76% | 3.71% |
| Q2 2026 | $14.28B | $21.73B | 42.49% | 9.68% | 3.46% |
First Interstate Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Interstate Bank, freeSource: Call Report Schedule RC-C, 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)