First Interstate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Interstate Bank of Billings, MT against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.34% | +0.05% | 55th above |
| ROAE Behind the peer average, ahead of the median peer. | 11.18% | 12.25% | -1.07% | 51st above |
| Net Interest Margin | 3.54% | 3.68% | -0.14% | 45th below |
| Efficiency Ratio | 55.54% | 53.86% | +1.68% | 41st below |
| PPNR / Avg Assets | 1.75% | — | — | 43rd below |
| Yield on Earning Assets | 4.61% | 5.58% | -0.97% | 10th bottom |
| Cost of Funds | 1.14% | 1.99% | -0.85% | 91st top |
| Net Interest Spread | 3.10% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 1.09% | +0.03% | 21st bottom |
| NPA / Total Assets | 0.64% | — | — | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.27% | 0.36% | -0.09% | 23rd bottom |
| ACL / Total Loans | 1.28% | — | — | 68th above |
| ACL / NPLs (Coverage) | 114.10% | — | — | 25th below |
| Texas Ratio | 6.83% | 5.43% | +1.40% | 21st bottom |
| Provision / NCO | -31.16% | — | — | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.32% | 14.50% | -0.18% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.32% | 14.60% | -0.28% | 67th above |
| Total Capital Ratio | 15.46% | — | — | 71st above |
| Leverage Ratio | 9.42% | 10.26% | -0.84% | 24th bottom |
| Equity / Assets | 12.60% | 11.55% | +1.05% | 70th above |
| TCE / Tangible Assets | 8.54% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.72% | 83.97% | -18.25% | 89th top |
| Core Deposit Ratio | 97.19% | 86.78% | +10.41% | 91st top |
| Uninsured Deposit Ratio | 36.43% | 38.93% | -2.50% | 58th above |
| Wholesale Funding Ratio | 1.86% | — | — | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.17% | — | — | 2nd bottom |
| Loan Growth (Y/Y) | -14.41% | — | — | 1st bottom |
| Deposit Growth (Y/Y) | -5.61% | — | — | 2nd bottom |
See First Interstate Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Interstate Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Interstate Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Interstate Bank peer analysis.