First Interstate Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense fell 3.4% in Q2 2026 to $63.5M, the biggest move on this page. First Interstate Bank ranks 29th of 35 Montana banks on net interest margin, in the lower half at 3.54% (Q2 2026). At 3.54%, First Interstate Bank's net interest margin is close to the 3.59% median for banks in the $10B-100B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.61% |
| Yield on loans | 5.61% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.14% |
| Cost of interest-bearing deposits | 1.52% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | 0.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $202.3M |
| Total interest expense | $63.5M |
| Interest expense on deposits | $62.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.56% | 1.27% | 3.09% | 5.49% | 2.77% |
| Q4 2023 | 4.61% | 1.38% | 3.03% | 5.57% | 2.76% |
| Q1 2024 | 4.63% | 1.51% | 2.93% | 5.55% | 2.78% |
| Q2 2024 | 4.67% | 1.77% | 2.99% | 5.58% | 2.80% |
| Q3 2024 | 4.79% | 1.50% | 3.07% | 5.73% | 2.80% |
| Q4 2024 | 4.81% | 1.38% | 3.24% | 5.80% | 2.70% |
| Q1 2025 | 4.61% | 1.25% | 3.19% | 5.52% | 2.60% |
| Q2 2025 | 4.69% | 1.16% | 3.36% | 5.65% | 2.60% |
| Q3 2025 | 4.72% | 1.11% | 3.46% | 5.75% | 2.55% |
| Q4 2025 | 4.66% | 1.05% | 3.46% | 5.73% | 2.65% |
| Q1 2026 | 4.54% | 1.02% | 3.44% | 5.53% | 2.77% |
| Q2 2026 | 4.61% | 1.14% | 3.54% | 5.61% | 2.88% |
First Interstate Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Interstate Bank, freeSource: Call Report Schedules RI and RC-K, 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)