FDIC Cert #1105 · Billings, Montana · Est. 1916

First Interstate Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$26.6B
Total assets
A
Health grade · Excellent
1.20%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

First Interstate Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.13% Tier 1, profitable at 1.20% ROA, efficient (56% cost ratio).

#83
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
14.13%
Tier 1 ratio - above the 10% well-capitalized line
57th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 1105 · MT A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1153/4307
  • PHOTO-FINISH Peoples State Bank o… · MN
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-PAR 1.20% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: Peoples State Bank of Plainview, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Interstate Bank

Lowest and highest poles plus nearest scored peers outside Montana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank & Trust · SD ·…87/100First Interstate Bank · MT ·…87/100Peoples State Bank o… · MN ·…87/100Templeton Savings Bank · IA …87/100The Home Trust & Sav… · IA ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Interstate Bank · July 2026

Plate reading for First Interstate Bank where failures stay rare

First Interstate Bank (FDIC Cert #1105) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,153 of 4,307. Tier 1 capital prints at 14.13%, clearing the 10% well-capitalized line. The Texas Ratio is 3.78%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.20%. Balance-sheet scale is $26.6B, 83rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples State Bank of Plainview (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Interstate Bank

Zero FAILURE resolutions in Montana since 2000

First Interstate Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • Q BANK FORT BENTON, MT 1998 → HERITAGE STATE BANK
  • FIRST SECURITY BANK OF ANACONDA ANACONDA, MT 1992 → BANK OF MONTANA ANACONDA
  • TREASURE STATE BANK GLASGOW, MT 1989 → VALLEY BANK OF GLASGOW

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Montana banks.

How First Interstate Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
First Interstate Bank's composite health score
Tier 1 Capital Ratio (14.13%) 35/40
Return on Assets (ROA) (1.20%) 20/25
Texas Ratio (3.78%) 20/20
Efficiency Ratio (56.03%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$26.6B

Total balance-sheet footings

Total Deposits

$22.4B

Customer-funded liabilities

Net Loans

$15.1B

Outstanding loan book

Net Income

$333M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.73% 14.13% 15.53%
Basel III capital ratios - First Interstate Bank

Where First Interstate Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Interstate Bank's score of 87/100 falls in the highlighted band.

First Interstate Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Interstate Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Interstate Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Interstate Bank's $26.6B falls in the highlighted band.

Safety metrics: First Interstate Bank

Tier 1 capital ratio
Well-capitalized 10%

14.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.13%
Texas Ratio
3.78%
Equity Capital
$3.4B

What these ratios mean →

Earnings posture at First Interstate Bank

Return on Assets (ROA)
57th percentile nationally
1.20%
Return on Equity (ROE)
9.95%
Efficiency Ratio
56.03%

What these mean →

Income & expense at First Interstate Bank

$1.2B
Interest Income
$226M
Non-Interest Income
$615M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Interstate Bank reports a Texas Ratio of 3.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Interstate Bank on FDIC BankFind →

Top banks in Montana by total assets

Largest banks headquartered in Montana
  1. 1
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  2. 2
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  3. 3
    Stockman Bank of Montana $7.6B

    Miles City, MT · Grade A

  4. 4
    Opportunity Bank of Montana $2.1B

    Helena, MT · Grade B

  5. 5
    The Yellowstone Bank $1.4B

    Laurel, MT · Grade A

Top 5 banks in Montana ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to First Interstate Bank by assets

First Interstate Bank is closely matched in total assets by FirstBank, Renasant Bank, Charles Schwab Premier Bank, SSB, Axos Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.31%, versus First Interstate Bank's own 1.20%; the average efficiency ratio is 45.14%, versus 56.03% here; and average Tier 1 capital sits at 18.01%, versus 14.13% at First Interstate Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $26.6B in assets, First Interstate Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to First Interstate Bank nationally by total assets
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  6. 6
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
First Interstate Bank (this bank) MT $26.6B 1.20% 56.03% 14.13%
FirstBank CO $26.5B 1.20% 50.25% 16.10%
Renasant Bank MS $26.7B 0.89% 61.24% 12.00%
Charles Schwab Premier Bank, SSB TX $27.0B 1.47% 15.30% 42.00%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($26.6B here), outside Montana so the neighborhood is not state containment.

FirstBank $26.5B · CO Renasant Bank $26.7B · MS Charles Schwab Premier Bank, SSB $27.0B · TX Axos Bank $27.2B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Interstate Bank (FDIC Cert #1105) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Interstate Bank Call Report profile · FDIC Failed Bank List · Montana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Montana

All Montana banks →
BankAssetsGradeROA
Glacier BankKalispell $32.0B B 0.90%
Stockman Bank of MontanaMiles City $7.6B A 1.87%
Opportunity Bank of MontanaHelena $2.1B B 0.83%
The Yellowstone BankLaurel $1.4B A 2.85%
Independence BankHavre $1.3B A 1.57%
TrailWest BankLolo $1.1B A 1.88%
Bank of Bridger, National AssociationBridger $799M A 0.72%
Farmers State BankVictor $774M B 0.96%