First Interstate Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.52 percentage points lower than in Q1 2026, at 114.10%. First Interstate Bank ranks 19th of 35 Montana banks on return on assets, in the lower half at 1.39% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.29% on return on assets. First Interstate Bank sits 0.10 points higher, at 1.39% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.32% |
| Tier 1 risk-based capital ratio | 14.32% |
| Total risk-based capital ratio | 15.46% |
| Tier 1 leverage ratio | 9.42% |
| Equity capital to assets | 12.60% |
| Tangible equity to tangible assets | 8.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.12% |
| Non-performing assets ratio | 0.64% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 6.83% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 114.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 11.18% |
| Net interest margin | 3.54% |
| Efficiency ratio | 55.54% |
| Yield on earning assets | 4.61% |
| Cost of funds | 1.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.72% |
| Core deposits to total deposits | 97.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.26% |
| Securities to assets | 30.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.41% | 11.41% | 12.43% | 8.50% | 1.01% |
| Q4 2023 | 11.01% | 11.01% | 12.04% | 8.16% | 0.82% |
| Q1 2024 | 11.29% | 11.29% | 12.38% | 8.22% | 0.86% |
| Q2 2024 | 11.45% | 11.45% | 12.52% | 8.37% | 0.86% |
| Q3 2024 | 11.78% | 11.78% | 12.83% | 8.52% | 0.85% |
| Q4 2024 | 12.12% | 12.12% | 13.10% | 8.68% | 0.78% |
| Q1 2025 | 12.51% | 12.51% | 13.62% | 9.04% | 0.81% |
| Q2 2025 | 13.35% | 13.35% | 14.49% | 9.31% | 1.12% |
| Q3 2025 | 13.74% | 13.74% | 14.92% | 9.48% | 1.17% |
| Q4 2025 | 14.13% | 14.13% | 15.26% | 9.44% | 1.71% |
| Q1 2026 | 13.95% | 13.95% | 15.14% | 9.32% | 1.01% |
| Q2 2026 | 14.32% | 14.32% | 15.46% | 9.42% | 1.39% |
First Interstate Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Interstate Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)