First Interstate Bancsystem Inc
FIBK
ISIN null / Valor 11165896
First Interstate Bancsystem Inc
UMushroom community rating:
About company
First Interstate BancSystem, Inc. is a publicly traded bank holding company headquartered in Billings, Montana that operates a regional banking franchise under the First Interstate Bank name across the Western United States. The company offers a full range of commercial and consumer banking services including deposit accounts, commercial and consumer lending, mortgage origination and servicing, treasury and payment solutions, and wealth management and trust services, generating revenue from net interest margin and fee-based businesses. Its business model centers on originating loans to individuals and small‑to‑medium enterprises and funding those assets with customer deposits and wholesale funding, while expanding its footprint through branch growth and acquisitions. As a regional lender, it faces the usual banking risks — credit, interest-rate and liquidity exposure — and competes on service, local market relationships and diversified product offerings.
Summarized from source with an LLMView SourceSector: FinanceLatest Results (19.05.2026):
First Interstate BancSystem, Inc. (FIBK) reported results for the third quarter of 2025 with net income of $71.4 million, or $0.69 per diluted share (flat vs. 2Q25 and up from $55.5M / $0.54 in 3Q24). Net interest margin improved to 3.34% and the company recorded no provision for credit losses; loans and deposits declined modestly q/q while capital and liquidity metrics strengthened.
Earnings
Net income was $71.4 million ($0.69 diluted) in 3Q25 versus $71.7 million ($0.69) in 2Q25 and $55.5 million ($0.54) in 3Q24.
Net interest & margin
Net interest income was $206.8 million (down $0.4M q/q). Net interest margin rose to 3.34% (up 4 bps q/q; +33 bps y/y). Adjusted net FTE margin (ex-accretion) was ~3.30%.
Credit & allowance
No provision for credit losses in 3Q25. Net charge-offs fell to $2.3 million (annualized 0.06% of avg loans) versus $27.4 million in 3Q24. Non‑performing assets decreased to $185.6 million (down $11.9M q/q); ACL was $205.8M (1.30% of loans).
Loan and deposit trends
Loans held for investment were $15.83 billion, down 3.2% q/q and 12.2% y/y. Total deposits were $22.61 billion, essentially flat q/q (down $259.1M, or 1.1%, y/y); noninterest-bearing deposits declined modestly.
Liquidity & debt
Other borrowed funds were reduced to zero at 9/30/2025 (from $250M at 6/30/25 and $2.08B a year earlier). Long‑term debt declined to $146.2M after payoff of $100M subordinated notes.
Noninterest income & expense
Total noninterest income was $43.7M (up $2.6M q/q; down 5.8% y/y). Total noninterest expense was $157.9M (up $2.8M q/q; slightly lower y/y), with higher salaries and other expenses contributing to the q/q increase.
Capital & returns to shareholders
Common equity Tier 1 ratio improved to 13.90% (up 47 bps q/q). The board declared a $0.47/share quarterly dividend (payable Nov 20, 2025). Since August 28, 2025, the company repurchased ~1.8M shares (~$57.2M through Oct 28, 2025).
Summarized from source with an LLMView SourceKey figures
Performance
Volatility
3455 M
Market cap (USD)
1,088,967
Daily traded volume (Shares)
32.69 / 32
1 day high/low (USD)
52 weeks high/low (USD)
Dividend ex-date
Dividend (USD)
Dividend yield (p.a.)
Est dividend (USD)
Est dividend yield
P/E ratio
Est P/E ratio
EPS (USD)
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Ratings & reviews
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