Total Assets
$26.6B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$22.4B
Customer-funded liabilities
Net Loans
$15.1B
Outstanding loan book
Net Income
$333M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.20%
Return on Equity (ROE)
9.95%
Efficiency Ratio
56.03%
What the numbers say about First Interstate Bank
First Interstate Bank is an FDIC-insured institution (Certificate #1105) headquartered in Billings, Montana, established in 1916. It holds $26.6B in total assets - 83rd of 4,313 FDIC-insured banks, $22.4B in customer deposits, and $15.1B in net loans. Looking at capital strength, Tier 1 stands at 14.13%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.78%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First Interstate Bank's asset base places it among the largest FDIC-insured institutions in the country, 83rd of 4,313 nationally, and 2nd of 36 banks headquartered in Montana. Only Glacier Bank ($32.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Montana by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Montana
All Montana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Interstate Bank's health grade?▼
First Interstate Bank receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Interstate Bank?▼
First Interstate Bank holds $26.6B in total assets and $22.4B in deposits, ranking 83rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Billings, Montana.
Is my money safe at First Interstate Bank?▼
Yes, deposits at First Interstate Bank (Certificate #1105) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Interstate Bank's Tier 1 Capital Ratio?▼
First Interstate Bank has a Tier 1 Capital Ratio of 14.13%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Interstate Bank?▼
First Interstate Bank has a Texas Ratio of 3.78%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Interstate Bank?▼
First Interstate Bank has an Efficiency Ratio of 56.03%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Interstate Bank's profile as a depositor or analyst.
- First Interstate Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Interstate Bank against other Montana banks before moving funds. Montana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.