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Dec 31, 2025
First Interstate Q4 2025 Earnings Report
First Interstate reported strong Q4 2025 results with a significant increase in net income and EPS, aided by a major branch sale gain.
Key Takeaways
First Interstate BancSystem delivered a robust performance in Q4 2025, marked by higher profitability driven by a $62.7 million gain from divestitures and expanding margins. The company saw improvements in credit quality and efficiency ratios despite a year-over-year decline in loan balances.
Net income reached $108.8 million, significantly up from $52.1 million a year earlier.
EPS doubled to $1.08 per diluted share from $0.50 in Q4 2024.
Noninterest income surged due to a $62.7 million gain from the Arizona and Kansas branch sales.
Net interest margin expanded to 3.36%, while adjusted FTE margin was 3.34%.
Revenue by Segment
Forward Guidance
The company projects continued balance sheet optimization and improved credit quality, while emphasizing ongoing strategic branch closures and operational efficiency.
Positive Outlook
- Strong capital position supports future growth and share repurchases.
- Improved credit quality with a reduction in non-performing assets.
- Increased net interest margin and interest rate spread.
- Plans to optimize branch network to enhance efficiency.
- Expanded share repurchase program by $150 million.
Challenges Ahead
- Loan balances declined due to paydowns and branch divestitures.
- Total assets and deposits both declined year over year.
- Provision for credit losses increased to $7.1 million in Q4.
- Net charge-offs rose significantly to $22.1 million.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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