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First Interstate Bank

IDRSSD: 659855
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q4QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #659855 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.23% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ +2
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.8%, cash 3.1% of assets.

Cash / Assets
3.08%
Loans / Deposits
75.75%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.03%
No watch items at this period.

Capitalization

StableQoQ +4
73
Sub-score

Capital position is stable: Tier 1 RBC 12.12%, CET1 12.12%, leverage 8.36%.

Tier 1 RBC
12.12%
CET1
12.12%
Leverage
8.36%
No watch items at this period.

Asset Quality

StrongQoQ -4
87
Sub-score

Asset quality is strong: Adjusted NPL 0.80%, Texas Ratio 5.2%, NCO YTD 1.23%.

Adjusted NPL
0.80%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
1.23%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.23% of loans.

Reserves

StableQoQ +6
76
Sub-score

Reserves are stable: ALLL 1.14% of loans, coverage 144.4%, true coverage 113.8%.

ALLL / Loans
1.14%
Coverage
144.4%
True Loss Coverage
113.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:00:31 UTC