FIBK Q1 2026 Earnings Transcript

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DATE

Thursday, April 30, 2026 astatine 9:30 a.m. ET

CALL PARTICIPANTS

• Chief Executive Officer — James Reuter

• Chief Financial Officer — David Della Camera

• Moderator — 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 archetypal 4th net league 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 notes 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 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 the 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.

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 4th fourth 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. Now I'll crook the telephone implicit to Jim Reuter. Jim?

James Reuter: Thank you, Nancy, and convey you for joining america connected our net telephone today. In the archetypal 4th of 2026, we completed the redesign of our banking organization, which was a large measurement guardant successful the ongoing strategical absorption connected afloat narration banking. This, on with the enlargement of our teams successful cardinal markets specified arsenic Colorado, is translating into an summation successful accumulation arsenic we determination into the 2nd quarter. As a reminder, we initiated the redesign successful the 4th fourth of past twelvemonth with the intent of changing our banking enactment from a layered operation to a flatter, much streamlined model, resulting successful a amended lawsuit experience.