BlastPoint's Banking Scorecard
The First State Bank of Malta
Micro
Specialty: Agricultural
MT
FDIC cert 1982
Designations: ✓ Community bank
Malta, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
The First State Bank of Malta faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.11% below tier
- - Delinquency Rate 2.29% above tier
- - Loan-to-Deposit Ratio 41.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.3M
+20.1% YoY
+16.2% QoQ
|
-$16.2M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$57.9M
-10.7% YoY
-11.5% QoQ
|
-$81.3M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$176.2M
+21.0% YoY
+18.3% QoQ
|
-$7.5M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
0.71%
+50.6% YoY
-6.2% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
2.74%
+27.2% YoY
+0.5% QoQ
|
-1.11% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
63.75%
-13.6% YoY
-0.3% QoQ
|
-3.98% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
2.93%
-33.3% YoY
-9.5% QoQ
|
+2.29% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
32.87%
-26.2% YoY
-25.2% QoQ
|
-41.66% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.74%
-5.3% YoY
+2.5% QoQ
|
-1.66% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.84%
-50.4% YoY
-30.9% QoQ
|
+0.39% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
24% |
| 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 ? |
0.13%
-15.1% YoY
+18.7% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.93%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
32.87%
(Tier avg: 74.53%, National avg: 78.04%)
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
56
56th pctile
Efficiency Ratio
Current: 63.75% · Tier avg: 67.73%
53
53th pctile
Total Deposits
Current: $176.2M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $201.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.74% · Tier avg: 22.39%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
24
24th pctile
Total Loans
Current: $57.9M · Tier avg: $139.2M
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
7
7th pctile
Delinquency Rate
Current: 2.93% · Tier avg: 0.64%
3
3th pctile
Loan-to-Deposit Ratio
Current: 32.87% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 32.87% · Tier avg: 74.53%
7
7th pctile
Delinquency Rate
Current: 2.93% · Tier avg: 0.64%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
24
24th pctile
Total Loans
Current: $57.9M · Tier avg: $139.2M
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.74% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Assets
Current: $201.3M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $176.2M · Tier avg: $183.7M
56
56th pctile
Efficiency Ratio
Current: 63.75% · Tier avg: 67.73%