BlastPoint's Banking Scorecard
First Interstate Bank
Large
Specialty: Commercial
MT
FDIC cert 1105
Billings, MT
69
banks in Large tier nationally
2 in MT
View Large leaderboard (MT) →
First Interstate Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.6B
-8.6% YoY
-2.5% QoQ
|
-$48.3B |
$74.9B
-4.4% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$15.1B
-14.5% YoY
-5.3% QoQ
|
-$31.3B |
$46.4B
-2.1% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$22.4B
-3.8% YoY
-2.3% QoQ
|
-$38.1B |
$60.5B
-4.5% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.20%
+41.2% YoY
+16.2% QoQ
|
+0.01% |
1.19%
+17.8% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.43%
+9.0% YoY
+1.0% QoQ
|
-0.03% |
3.46%
+13.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
56.03%
-5.4% YoY
-4.7% QoQ
|
+1.00% |
55.03%
-2.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.89%
+11.6% YoY
-21.8% QoQ
|
+0.02% |
0.88%
-0.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
67.35%
-11.1% YoY
-3.1% QoQ
|
-14.37% |
81.72%
+3.9% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
24.98%
-4.2% YoY
-2.4% QoQ
|
+5.01% |
19.97%
+0.5% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.52%
+3.9% YoY
-23.6% QoQ
|
-0.03% |
0.55%
+9.0% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
14.13%
+16.6% YoY
+2.8% QoQ
|
+0.80% |
13.33%
-0.7% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.85%
+44.3% YoY
+90.9% QoQ
|
-0.24% |
1.09%
+2.4% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Deposit Outflow
decline
#1 of 11 · Bottom 1% in Large
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
11 of 11 Large banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Loan-to-Deposit Ratio
Current: 67.35% · Tier avg: 81.72%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.13% · Tier avg: 13.33%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.98% · Tier avg: 19.97%
57
57th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.19%
56
56th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 1.09%
49
49th pctile
Efficiency Ratio
Current: 56.03% · Tier avg: 55.03%
46
46th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.46%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.55%
42
42th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.88%
9
9th pctile
Total Deposits
Current: $22.4B · Tier avg: $60.5B
7
7th pctile
Total Loans
Current: $15.1B · Tier avg: $46.4B
4
4th pctile
Total Assets
Current: $26.6B · Tier avg: $74.9B
Top Weaknesses
4
4th pctile
Total Assets
Current: $26.6B · Tier avg: $74.9B
7
7th pctile
Total Loans
Current: $15.1B · Tier avg: $46.4B
9
9th pctile
Total Deposits
Current: $22.4B · Tier avg: $60.5B
42
42th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.88%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.55%
46
46th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.46%
49
49th pctile
Efficiency Ratio
Current: 56.03% · Tier avg: 55.03%
56
56th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 1.09%
57
57th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.19%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.98% · Tier avg: 19.97%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.13% · Tier avg: 13.33%
82
82th pctile
Loan-to-Deposit Ratio
Current: 67.35% · Tier avg: 81.72%