1.02%
+25.6%y/y
Peer standing34th percentile
FDIC
NETINC + ROAFI
First Interstate Bank
Billings, MontanaFDIC Cert #1105
STATEEstablished 1916290 branches
Holding company: FIRST INTRST BANCSYSTEMRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
8.11%
+15.2%y/y
Peer standing24th percentile
FDIC
NETINC + ROE1.31%
+24.0%y/y
Peer standing30th percentile
FDIC
PTAXNETINC + ASSET3.50%
+6.7%y/y
Peer standing47th percentile
FDIC
NIM + NIMY4.62%
−2.8%y/y
Peer standing10th percentile
FDIC
INTINCY1.58%
−28.0%y/y
Peer standing94th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
61.02%
+1.1%y/y
Peer standing29th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.33%
+8.5%y/y
Peer standing39th percentile
FDIC
NONIX + ASSET17.01%
+5.3%y/y
Percentile by value57th percentileby value
FDIC
NONII + NIM−6.53%
−4.8%y/y
Percentile by value5th percentileby value
FDIC
ASSET−3.43%
−793.1%y/y
Percentile by value6th percentileby value
FDIC
DEP−14.91%
−221.2%y/y
Percentile by value1st percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.02%34th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.80%Observations 110
ROE
FDIC
NETINC + ROE8.11%24th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.78%Median 10.10%90th 17.47%Observations 110
NIM
FDIC
NIM + NIMY3.50%47th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.62%Median 3.55%90th 4.39%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.02%29th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.24%Median 54.92%90th 71.99%Observations 110
Deposits YoY
FDIC
DEP−3.43%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.68%Median +4.64%90th +30.48%Observations 110
Loans YoY
FDIC
LNLSNET−14.91%1st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +6.49%90th +34.73%Observations 109
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.05%80th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.20%Median 0.71%90th 1.50%Observations 109
Leverage
FDIC
RBC1AAJ9.32%27th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.29%Median 10.30%90th 12.41%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.58%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.60%90th 3.62%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC233%58th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 54%Median 213%90th 309%Observations 110
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.02%22nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.90%Median 1.37%90th 2.26%Observations 33
ROE
FDIC
NETINC + ROE8.11%11th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.11%Median 14.52%90th 22.40%Observations 33
NIM
FDIC
NIM + NIMY3.50%13th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.22%Median 4.19%90th 5.03%Observations 33
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.02%38th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.29%Median 55.73%90th 73.08%Observations 33
Deposits YoY
FDIC
DEP−3.43%8th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.62%Median +6.71%90th +13.99%Observations 33
Loans YoY
FDIC
LNLSNET−14.91%2nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.86%Median +4.11%90th +15.54%Observations 33
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.05%61st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.73%90th 3.12%Observations 33
Leverage
FDIC
RBC1AAJ9.32%20th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.23%Median 10.20%90th 13.54%Observations 33
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.58%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.67%Median 2.26%90th 2.87%Observations 33
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC233%68th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 36%Median 172%90th 267%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.