UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-K (Mark One) ☑ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2021 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission File Number: 001-34653 FIRST INTERSTATE BANCSYSTEM, INC. (Exact name of registrant as specified in its charter) Montana 81-0331430 (State or other j ...

Investor Presentation Filed by First Interstate BancSystem, Inc. pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Great Western Bancorp, Inc. Commission File No. 001-36688 Date: January 27, 2022 January 2022 CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as ...

First Interstate BancSystem, Inc. (NASDAQ:FIBK) Q4 2021 Earnings Conference Call January 28, 2022 11:00 AM ET Company Representatives Kevin Riley - Chief Executive Officer Marcy Mutch - Chief Financial Officer Lisa Slyter-Bray - Executive Assistant Conference Call Participants Jared Shaw - Wells Fargo Matthew Clark - Piper Sandler Andrew Terrel - Stephens Lisa Slyter-Bray Thanks Stanly. Good morning. Thank you for joining us for our fourth quarter earnings conference call. As we begin, please note that the ...

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First Interstate BancSystem, Inc. (NASDAQ:FIBK) Q3 2021 Earnings Conference Call October 27, 2021 11:00 AM ET Company Participants Lisa Slyter-Bray - Executive Assistant Kevin Riley - President and CEO Marcy Mutch - EVP and CFO Conference Call Participants Jeffrey Rulis - D.A. Davidson Jared Shaw - Wells Fargo Securities Operator Hello, everyone, and welcome to the First Interstate BancSystem Third Quarter Earnings Conference Call. My name is Harry and I'll be your operator today. [Operator Instructions] I ...

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First Interstate BancSystem, Inc. (NASDAQ:FIBK) Q2 2021 Results Conference Call July 28, 2021 11:00 AM ET Company Participants Lisa Slyter-Bray - Executive Assistant Kevin Riley - President and Chief Executive Officer Marcy Mutch - Executive Vice President and Chief Financial Officer Michael Lugli - Chief Credit Officer Conference Call Participants Jared Shaw - Wells Fargo Jeffrey Rulis - D.A. Davidson Jackie Bohlen - KBW Matthew Clark - Piper Sandler Andrew Terrell - Stephens Tim Coffey - Janney Operato ...

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First Interstate BancSystem, Inc. (NASDAQ:FIBK) Q1 2021 Earnings Conference Call April 28, 2021 11:00 AM ET Company Participants Lisa Slyter-Bray - Executive Assistant Kevin Riley - Chief Executive Officer Marcy Mutch - Chief Financial Officer Michael Lugli - Chief Credit Officer Conference Call Participants Jared Shaw - Wells Fargo Securities Levi Posen - D.A. Davidson Matthew Clark - Piper Sandler Jackie Bohlen - KBW Tim Coffey - Janney Operator Good day. And welcome to the First Interstate BancSystem Fir ...

Financial Performance and Position - As of December 31, 2020, the company had consolidated assets of $17.6 billion, deposits of $14.2 billion, loans held for investment of $9.8 billion, and total stockholders' equity of $2.0 billion[20]. - The company has a strategic focus on balance sheet management and financial rigor, which has contributed to its status as a top-performing bank[24]. - The company aims to continue its business in a disciplined manner, fueled by organic growth and expansion into new markets when appropriate opportunities arise[24]. - The company is currently well-capitalized and well-managed, allowing it to engage in authorized financial activities as a financial holding company[46]. - The company is required to maintain a common equity Tier 1 capital to risk-based assets ratio of 4.5%[57]. - The total capital to risk-based assets ratio must be at least 8.0%[57]. - The company’s ability to pay dividends is limited by state and federal laws, requiring prior consent from the Federal Reserve for distributions exceeding certain thresholds[52]. Community Banking and Services - The company operates 150 banking offices across six states, focusing on community banking and providing a comprehensive range of banking products and services[20]. - The company emphasizes a community banking model, granting banking offices significant authority to respond to local market conditions while maintaining accountability through company-wide standards[25]. - The company is committed to community service and aims to strengthen the communities in its market areas through service activities[25]. - The company operates primarily in community banking, offering commercial and consumer banking services, including deposits, credit extensions, and mortgage loan origination[25]. - The company emphasizes a commitment to community values, including integrity and client focus, as part of its business model[22]. Risk Management and Compliance - The company has established minimum underwriting standards to ensure loans are appropriately collateralized and supported by current credit information[27]. - The company maintains comprehensive credit policies to limit risk, ensuring loans meet minimum underwriting standards and are appropriately collateralized[26]. - The Bank is subject to extensive government regulation and supervision under federal and state laws, impacting its operational activities[38]. - The company is subject to enhanced risk management and corporate governance processes as it exceeds $10 billion in assets, as mandated by federal banking regulators[74]. - The company is required to maintain multiple layers of security controls to manage cyber risks and ensure business continuity after potential cyber-attacks[98]. - The USA PATRIOT Act requires financial institutions to have policies to detect and prevent money laundering and terrorist financing[94]. Employee Engagement and Workforce - As of December 31, 2020, the company employed 2,462 full-time equivalent employees, a decrease of 11 employees from the previous year[101]. - Approximately 72.3% of the full-time equivalent workforce was female, with an average tenure of 8.3 years, reflecting a 3.8% increase from 8.0 years in 2019[101]. - The company has taken significant measures for employee safety during the pandemic, including providing personal protective equipment and temperature screenings[104]. - The company actively engages in programs to attract, develop, and retain employees, reflecting a commitment to human capital[101]. - Employee engagement survey participation was approximately 95%, indicating favorable employee relations[101]. Cybersecurity and Technology - The company has not experienced significant data loss or material financial losses related to cybersecurity attacks to date, but risks remain high due to evolving threats[100]. - Cybersecurity risks are expected to remain high due to evolving threats and increased use of technology-based services[100]. - The company employs various preventative and detective controls to monitor and report suspicious activities related to cybersecurity[99]. - Federal regulators expect financial institutions to maintain sufficient business continuity planning processes for rapid recovery after cyber-attacks[98]. Strategic Growth and Acquisitions - The company has made strategic acquisitions to expand its market reach, including Mountain West Bank and Bank of the Cascades[20]. - The company aims to expand its market reach through organic growth and strategic acquisitions, having completed several acquisitions since its IPO[20]. - The company has established credit authorities at individual, branch, and market levels to ensure responsiveness to local market conditions[28]. Regulatory Environment - The Bank's ability to pay dividends is limited to current year net profits plus retained earnings from the previous two years unless prior consent from the Federal Reserve is obtained[52]. - The Bank's capital buffer rules require the common equity conservation buffer to exceed the minimum required capital ratio by 2.5% of risk-weighted assets for dividend payments[53]. - The company meets the criteria for grandfathering under the Dodd-Frank Act, allowing it to use hybrid capital instruments without current limitations, but risks losing Tier 1 qualification if assets exceed $15.0 billion[65]. - The Dodd-Frank Act prohibits incentive compensation arrangements that encourage excessive risk-taking, impacting how the company structures executive compensation[97]. - The FDIC assesses member institutions based on financial measures and supervisory ratings, with higher-risk banks paying higher assessments[76].