FIBK Q4 2025 Earnings Transcript

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DATE

Thursday, Jan. 29, 2026 astatine 9:30 a.m. ET

CALL PARTICIPANTS

• Chief Executive Officer — James Reuter

• Chief Financial Officer — David Della Camera

• Investor Relations — Nancy Vermeulen

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Full Conference Call Transcript

Nancy Vermeulen: Thanks precise much. Good morning, and convey you for joining america for our Fourth Quarter Earnings Conference Call. As we begin, delight enactment that the accusation provided during this telephone volition incorporate forward-looking statements, and existent results oregon outcomes mightiness disagree materially from those expressed by those statements. I'd similar to nonstop each listeners to work the cautionary enactment regarding forward-looking statements contained successful our astir caller yearly study connected Form 10-K filed with the SEC and successful our net merchandise arsenic good arsenic the hazard factors identified successful the yearly study and successful our much caller periodic reports filed with the SEC.

Relevant factors that could origin existent results to disagree materially from immoderate forward-looking statements are included successful the net merchandise and successful our SEC filings. And the institution does not undertake to update immoderate of the forward-looking statements made today. A transcript of our net release, which contains non-GAAP fiscal measures, is disposable connected our website astatine fibk.com. Information regarding our usage of non-GAAP fiscal measures whitethorn beryllium recovered successful the assemblage of the net release, and a reconciliation to their astir straight comparable GAAP fiscal measures is included astatine the extremity of the net merchandise for your reference.

And again, this quarter, on with our net release, we've published an updated capitalist presumption that has further disclosures that we judge volition beryllium helpful. The presumption tin beryllium accessed connected our Investor Relations website. And if you person not downloaded a transcript yet, we promote you to bash so. Please besides enactment that arsenic we sermon our financials today, unless different noted, each of the anterior play comparisons volition beryllium with the 3rd 4th of 2025. Joining america from absorption this greeting are Jim Reuter, our Chief Executive Officer; David Della Camera, our Chief Financial Officer; and different members of our absorption team. And now, I'll crook the telephone implicit to Jim Reuter. Jim?

James Reuter: Thank you, Nancy. And bully morning, everyone, and convey you for joining america connected our telephone today. Over the people of 2025, we made meaningful advancement to amended halfway profitability, refocus superior concern and optimize our equilibrium expanse done reorienting our footprint to geographies wherever we person marque density, beardown marketplace stock and precocious imaginable for growth. We announced subdivision divestitures successful Arizona, Kansas and Nebraska, outsourced our user recognition paper merchandise and discontinued originations successful indirect lending. We person intentionally allowed definite larger transactional loans to tally disconnected successful favour a disciplined effort to turn afloat banking relationships. That includes deposits, loans and corresponding interest generating services.