First Interstate BancSystem Inc-A 2024年度报告

(Mark One) ☐Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934For the fiscal year ended December 31, 2024or☐Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934For the transition period fromto.Commission File Number: 001-34653 FIRST INTERSTATE BANCSYSTEM, INC. (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 Rule 405 of the Securities Act. þ Yeso No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.o Yes þ No Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of theSecurities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was requiredto file such reports), and (2) has been subject to such filing requirements for the past 90 days. þ Yes o No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to besubmitted pursuant to Rule 405 of Regulation S-T (§223.405 of this chapter) during the preceding 12 months (or for suchshorter period that the registrant was required to submit such files). þ Yes o No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, asmaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “acceleratedfiler,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act: Large accelerated filer☐Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transitionperiod for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of theExchange Act. o Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of theeffectiveness of its internal control over financial 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 audit report.☐ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements ofthe registrant included in the filing reflect the correction of an error to previously issued financial statements o Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis ofincentive-based compensation received by any of the registrant's executive officers during the relevant recovery periodpursuant to §240.10D-1(b). oIndicate by check mark if the registrant is a shell company (as defined in Rule 12b-2 of the Act.)☐Yes þ NoThe aggregate market value of voting and non-voting common equity held by non-affiliates, computed by reference to theprice at which the common equity was last sold on the NASDAQ, as of the last business day of the registrant’s most recentlycompleted second fiscal quarter was $2.4 billion.As of January 31, 2025, there were 104,531,312 shares 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 May 20,2025. The information required by Part III of this Form 10-K is incorporated by reference to such Proxy Statement. FIRST INTERSTATE BANCSYSTEM, INC. AND SUBSIDIARIESIndexDecember 31, 2024 Page Nos. PART I Item 1BusinessItem 1ARisk FactorsItem 1BUnresolved Staff CommentsItem 1CCybersecurityItem 2PropertiesItem 3Legal ProceedingsItem 4Mine Safety Disclosure 2153132333434 PART II Item 5Market for Registrant’s Common Equity, Related Stockholder Matters andIssuer Purchases of Equity Securities34Item 6Reserved35Item 7Management’s Discussion and Analysis of Financial Condition and Resultsof Operations36Item 7AQuantitative and Qualitative Disclosures About Market Risk59Item 8Financial Statements and Supplementary Data60Item 9Changes in and Disagreements with Accountants on Accounting andFinancial Disclosure60Item 9AControls and Procedures61Item 9BOther Information63Item 9CDisclosure Regarding Foreign Jurisdictions that Prevent Inspections63PART III Item 10Directors, Executive Officers and Corporate Governance.63Item 11Executive Compensation63Item 12Security Ownership of Certain Beneficial Owners and Management andRelated Stockholder Matters63Item 13Certain Relationships and Related Transactions and Director63 IndependenceItem 14Principal Accountant Fees and Services64PART IVItem 15Exhibits and Financial Statement Schedules64Report of Independent Registered Public Accounting Firm65Consolidated Balance Sheets68Consoli