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First Interstate BancSystem
First Interstate BancSystem (FIBK) investor relations material
First Interstate BancSystem Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Q4 2025 net income was $108.8 million ($1.08 per share), up from $71.4 million in Q3, with a net interest margin of 3.36% and an efficiency ratio of 52.2%.
Strategic focus included improving core profitability, optimizing the balance sheet, and refocusing capital investment, with significant branch sales and closures in Arizona, Kansas, Nebraska, North Dakota, and Minnesota.
Initiated a flatter organizational structure to accelerate decision-making and support organic growth, with new leadership and talent additions.
Maintains a robust capital position, with CET1 at 14.38% and total risk-based capital at 17.06%.
Full-year 2025 net income reached $302.1 million ($2.94 per share), compared to $226.0 million ($2.19 per share) in 2024.
Financial highlights
Net interest income for Q4 2025 was $206.4 million, down 0.2% sequentially and 3.7% year-over-year, with adjusted FTE NIM at 3.34%.
Noninterest income surged to $106.6 million in Q4 2025, mainly due to a $62.7 million gain from branch sales.
Noninterest expense was $166.7 million, including $4.2 million in severance and $2.3 million in branch closure costs.
Total assets at year-end were $26.6 billion, with deposits at $22.1 billion and loans held for investment at $15.2 billion.
Dividend declared at $0.47 per share, 5.7% annualized yield.
Outlook and guidance
2026 guidance anticipates ending deposits between $22.0–$22.5 billion and loans between $14.5–$15.0 billion, excluding the impact of the Nebraska branch sale.
Full-year 2026 net interest income expected between $825–$845 million, with continued margin expansion and two anticipated 25bps rate cuts.
Expects sequential net interest margin improvement, targeting above 3.5% by year-end 2026.
Noninterest income projected at $170–$175 million, and noninterest expense at $630–$645 million for 2026.
Expenses projected to be flat to slightly lower in 2026, with a 1% increase due to medical insurance normalization.
Nebraska branch sale's balance sheet impact
Details on Q4's significant loan charge-off
Source of funds for debt paydown
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Next First Interstate BancSystem earnings date
Q1 202629 Apr, 2026
First Interstate BancSystem
Next First Interstate BancSystem earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
First Interstate BancSystem Inc. is a financial holding company that operates a network of community banks providing banking and financial services to individuals, businesses, and municipalities. The company offers a range of products, including personal and commercial loans, deposit accounts, wealth management, and treasury services. It serves customers across multiple states, primarily in the Western and Midwestern United States, through its branch network and digital banking platform. The company is headquartered in Billings, Montana, and its shares are listed on the NASDAQ.
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