BlastPoint's Banking Scorecard
The First State Bank of Shelby
Micro
Specialty: Agricultural
MT
FDIC cert 11013
Designations: ✓ Community bank
Shelby, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
The First State Bank of Shelby has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 56.49% below tier
- + Non-Interest-Bearing Deposit Share 16.35% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.4M
+3.3% YoY
-0.6% QoQ
|
-$53.1M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$24.9M
-1.9% YoY
-2.7% QoQ
|
-$114.3M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$137.9M
+2.0% YoY
-0.2% QoQ
|
-$45.8M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.73%
+527.2% YoY
-6.1% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
2.14%
+18.0% YoY
+3.6% QoQ
|
-1.71% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
68.37%
-12.3% YoY
+4.4% QoQ
|
+0.64% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.02%
-15.1% YoY
-91.6% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
18.04%
-3.8% YoY
-2.5% QoQ
|
-56.49% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.74%
+2.7% YoY
-1.2% QoQ
|
+16.35% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-19.3% YoY
-91.8% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.25%
+5.4% YoY
+32.9% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
18.04%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.74%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.14%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Loan-to-Deposit Ratio
Current: 18.04% · Tier avg: 74.53%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.74% · Tier avg: 22.39%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Efficiency Ratio
Current: 68.37% · Tier avg: 67.73%
42
42th pctile
Total Assets
Current: $164.4M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $137.9M · Tier avg: $183.7M
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
9
9th pctile
Total Loans
Current: $24.9M · Tier avg: $139.2M
3
3th pctile
Net Interest Margin
Current: 2.14% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.14% · Tier avg: 3.85%
9
9th pctile
Total Loans
Current: $24.9M · Tier avg: $139.2M
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
42
42th pctile
Total Deposits
Current: $137.9M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $164.4M · Tier avg: $217.5M
44
44th pctile
Efficiency Ratio
Current: 68.37% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.74% · Tier avg: 22.39%
100
100th pctile
Loan-to-Deposit Ratio
Current: 18.04% · Tier avg: 74.53%