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First Interstate BancSystem (FIBK) investor relations material
First Interstate BancSystem Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $71.4 million ($0.69 per diluted share), flat sequentially and up 28.6% year-over-year, with a net interest margin of 3.34% and a focus on organic growth, cost management, and capital deployment, including share repurchases and a 6.0% annualized dividend yield.
Completed divestitures in Arizona and Kansas, announced sale of 11 Nebraska branches, and planned further branch closures to optimize network and improve market density.
Loans held for investment decreased by $519 million, and deposits decreased by $25.6 million from Q2 2025, with strong liquidity and capital position maintained (loan-to-deposit ratio 70.1%, CET1 ratio 13.90%).
Share repurchase program initiated, with 1.8 million shares repurchased for $57.2 million since August 2025.
Quarterly cash dividend of $0.47 per share declared, annualized yield of 6.0%.
Financial highlights
Q3 2025 net income was $71.4 million ($0.69 per diluted share), nearly flat compared to Q2 2025 and up from $55.5 million in Q3 2024.
Net interest income was $206.8 million, down $0.4 million sequentially but up $1.3 million year-over-year; net interest margin rose to 3.34%.
Noninterest income was $43.7 million, up $2.6 million from Q2 but down 5.8% year-over-year; noninterest expense was $157.9 million, up $2.8 million sequentially and down 0.9% year-over-year.
Efficiency ratio improved to 61.7% for Q3 2025.
Allowance for credit losses was $205.8 million (1.30% of loans), with net charge-offs at $2.3 million (0.06% of average loans).
Outlook and guidance
Q4 2025 guidance: deposits expected modestly over $22 billion, loans around $15.5 billion, net interest income $203–$205 million, noninterest income $42–$44 million, and noninterest expense $155–$157 million.
Expecting a $60 million pre-tax gain in Q4 2025 from the Arizona and Kansas divestiture.
Anticipates mid single-digit net interest income growth in 2026, with low single-digit expense growth and improved operating leverage.
Guidance includes sequential NII improvement through 2026 and 2027, with Q1 typically being a seasonally lower period.
Long-term net charge-offs expected between 20–30 basis points; effective tax rate for 2025 expected at 23.5–24.0%.
Capital deployment beyond current buyback
Key drivers for 2026 loan growth
Deposit beta strategy and NII impact
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Next First Interstate BancSystem earnings date
Q4 202530 Jan, 2026
Next First Interstate BancSystem earnings date
Q4 202530 Jan, 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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