First Interstate Bank


401 N 31st St
Billings, MT 59101
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Notable Rates APY Vs.Others
Savings N.A. 4.01% →
1-Year CD N.A. 4.50% →
2-Year CD N.A. 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Bank Information

First Interstate Bank is an FDIC insured institution located in Billings, MT. It was founded in 1916 and has approximately $31.97 billion in assets. Customers can open an account at one of its 145 branches.

FDIC Insured Yes
FDIC Certificate # 1105
Date Established 1916
Assets $ 31.97 billion
Loans $ 17.07 billion
Deposits $ 26.86 billion
Capital $ 3.34 billion

For a more detailed analysis of First Interstate Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 27, 2022

Your Current Location: California, CA 92111

There are currently no rates available for First Interstate Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - November 27, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for First Interstate Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.779% 7.625%
1.00 points
$3,750 fees
$1,770 Learn More
NMLS ID: 2890
License#: 413-0477
6.226% 6.125%
0.63 points
$2,685 fees
$1,520 Learn More
Embrace Home Loans (ICB)
NMLS ID: 2184
6.722% 6.625%
1.00 points
$2,500 fees
$1,601 Learn More
NMLS ID: 1907

Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 6.490 %
After Intro: 7.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.490 %
$0 Learn More
More Info

Note to First Interstate Bank
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First Interstate Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

First Interstate Bank Locations

Climate Initiatives

First Interstate Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

First Interstate Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Interstate Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Interstate Bank U.S. Bank Average
3.56% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, First Interstate Bank had $109,854,000 in non-current loans and $16,791,000 in owned real estate. To cover these potential losses it had $3,336,728,000 in equity and $220,446,000 in loans loss reserves. That gives it a Texas Ratio of 3.56%.

Return on Equity
First Interstate Bank U.S. Bank Average
6.04% 9.98%

First Interstate Bank has a Return on Equity of 6.04% versus the BestCashCow average of 9.98%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First Interstate Bank U.S. Bank Average
10.44% 10.23%

First Interstate Bank has a Capitalization of 10.44% versus the BestCashCow average of 10.23. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Interstate Bank Balance Sheet Analysis

As of June 30, 2022, First Interstate Bank had assets of $31,970,444,000, loans of $17,069,481,000, and deposits of $26,863,925,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2022
Cash & Balances due from depository institutions $ 1,059.33 million
Interest-bearing balances $ 623.09 million
Total securities $ 10.87 billion
Federal funds sold and reverse repurchase $ 202.30 million
Net loans and leases $ 17.07 billion
Loan loss allowance $ 220.45 million
Trading account assets $ 12.23 million
Bank premises and fixed assets N.A.
Other real estate owned $ 16.79 million
Goodwill and other intangibles $ 1,235.74 million
All other assets $ 1,065.89 million
     Total Assets $ 28.63 billion
Total deposits $ 26.86 billion
      Interest-bearing deposits $ 18.57 billion
      Deposits held in domestic offices $ 26.86 billion
      % insured (estimated) 70.83%
Federal funds purchased and repurchase agreements $ 1,373.31 million
Trading liabilities $ 99.18 million
Other borrowed funds $ 21.56 million
Subordinated debt N.A.
All other liabilities $ 275.75 million
      Total Liabilities $ 28.63 billion
      Shareholders’ Equity $ 3.34 billion

Summary Income Statement

June 30, 2022
Total Interest Income $ 430.70 million
Total Interest Expense $ 8.08 million
Net interest income $ 422.61 million
Provision for loan and lease losses $ 59.54 million
Total non interest income $ 97.52 million
Total non interest expense $ 348.37 million
Pre-tax Net Operating Income $ 112.22 million

Bank Loan Profile?

The top three loan types in First Interstate Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Montana, First Interstate Bank has a significantly higher percent of Multifamily Mortgages, Credit Card Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.58
Credit Card Loans 0.44
Consumer Auto Loans 2.52
Small Business Loans 7.37
Construction and Development Loans 10.31
Commercial Real Estate 40.52
Commercial and Industrial Loans 13.15
Farm Loans 3.94

Customer Reviews for First Interstate Bank

  • November 15, 2019

    If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held it for 10 business days to make sure the money cleared. This was an electronic transfer so they had the money immediately and they said as much. Either they are lazy or they have some stupid rule.

  • June 10, 2019

    CDs 11 Month Rates

    WE would like to know what your cds rates are on $ 40,000 for 1 year

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