First Interstate BancSystem Inc-A 2024年度报告

Washington D.C. 20549FORM10-K (Mark One) (Exact name of registrant as specified in its charter) 81-0331430 Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule405 of the Securities Act.þYesoNo Indicate by check mark whether the registrant: (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for thepast 90days.þYesoNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 ofRegulationS-T (§223.405 of this chapter) during the preceding 12months (or for such shorter period that the registrant was required to submit such files).þYesoNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerginggrowth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule12b-2of the Exchange Act: If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.o Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control overfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its auditreport.☑ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filingreflect the correction of an error to previously issued financial statementso Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by anyof the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b).o Indicate by check mark if the registrant is a shell company (as defined in Rule12b-2 of the Act.)☐YesþNo The aggregate market value of voting and non-voting common equity held by non-affiliates, computed by reference to the price at which the common equity waslast sold on the NASDAQ, as of the last business day of the registrant’s most recently completed second fiscal quarter was $2.4billion. As of January31, 2025, there were104,531,312shares outstanding of the registrant’s Common stock. Documents Incorporated by Reference The registrant intends to file a definitive Proxy Statement for the Annual Meeting of Shareholders scheduled to be held May20, 2025. The information required by PartIII ofthis Form 10-K is incorporated by reference to such Proxy Statement. FIRST INTERSTATE BANCSYSTEM, INC. AND SUBSIDIARIESIndexDecember 31, 2024 PART I Item 1BusinessItem 1ARisk FactorsItem 1BUnresolved Staff CommentsItem 1CCybersecurityItem 2PropertiesItem 3Legal ProceedingsItem 4Mine Safety Disclosure PART IIItem 5Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecuritiesItem 6ReservedItem 7Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem 7AQuantitative and Qualitative Disclosures About Market RiskItem 8Financial Statements and Supplementary DataItem 9Changes in and Disagreements with Accountants on Accounting and Financial DisclosureItem 9AControls and ProceduresItem 9BOther InformationItem 9CDisclosure Regarding Foreign Jurisdictions that Prevent InspectionsPART IIIItem 10Directors, Executive Officers and Corporate Governance.Item 11Executive CompensationItem 12Security Ownership of Certain Beneficial Owners and Management and Related Stockholder MattersItem 13Certain Relationships and Related Transactions and Director IndependenceItem 14Principal Accountant Fees and ServicesPART IVItem 15Exhibits and Financial Statement SchedulesReport of Independent Registered Public Accounting FirmConsolidated Balance SheetsConsolidated Statements of IncomeConsolidated Statements of Comprehensive Income (Loss)Consolidated Statements of Stockholders' EquityConsolidated Statements of Cash FlowsNotes to Consolidated Financial StatementsExhibitsItem 16Form 10-K Summary PART I Cautionary Note Regarding Forward-Looking Statements When we refer to “we,” “our,” “us,” “First Interstate,” or the “Company” in this report, we mean First Interstate BancSystem, Inc.and our consolidated subsidiaries, including our wholly-owned subsidiary, First Interstate Bank, unless the context indicates that we referonly to the parent company, First Interstate BancSystem,