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Sep 30
First Interstate Q3 2025 Earnings Report
First Interstate BancSystem, Inc. reported its financial results for the third quarter of 2025, showing an increase in net income and diluted earnings per share compared to the same quarter last year, alongside improvements in net interest margin and capital ratios.
Key Takeaways
First Interstate BancSystem, Inc. reported a net income of $71.4 million, or $0.69 per diluted share, for the third quarter of 2025. This represents a significant increase from $55.5 million, or $0.54 per diluted share, in the third quarter of 2024. The company's net interest margin improved to 3.34%, and capital ratios continued to strengthen, with the common equity tier 1 capital ratio rising to 13.90%.
Net income for Q3 2025 was $71.4 million, a 28.6% increase from Q3 2024.
Diluted EPS for Q3 2025 was $0.69, up from $0.54 in Q3 2024.
Net interest margin increased to 3.34% in Q3 2025, a 33-basis point increase from Q3 2024.
Common equity tier 1 capital ratio improved to 13.90%, reflecting stronger capital adequacy.
First Interstate
First Interstate
First Interstate Revenue by Segment
Revenue by Segment
Payment services revenues Revenue
CapyFin.comMortgage banking revenues Revenue
CapyFin.comWealth management revenues Revenue
CapyFin.comService charges on deposit accounts Revenue
CapyFin.comOther service charges, commissions, and fees Revenue
CapyFin.comOther income Revenue
CapyFin.com Forward Guidance
The company is focused on executing its strategic plan for organic growth and leveraging its strong balance sheet. It aims to continue improving net interest margin and prudently managing expenses to drive long-term profitable growth.
Positive Outlook
- Continued execution on strategic plan to focus on organic growth.
- Leveraging a strong balance sheet to support customers.
- Anticipated continued improvement in net interest margin.
- Maintaining a clear focus on managing expenses prudently.
- Strong and flexible liquidity and capital levels provide a solid foundation for growth and returns.
Challenges Ahead
- New or changes in existing governmental regulations or their enforcement.
- Negative developments in the banking industry and increased regulatory scrutiny.
- Potential for loan credit losses exceeding estimates.
- A decline in economic conditions reducing demand for products and services and negatively impacting loan credit quality.
- Changes in interest rates affecting the value of investment securities.