BlastPoint's Banking Scorecard
First Security Bank of Roundup
Micro
Specialty: Agricultural
MT
FDIC cert 20479
Designations: ✓ Community bank
Roundup, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
First Security Bank of Roundup has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.12% above tier
- + Loan-to-Deposit Ratio 41.62% below tier
- + Non-Interest-Bearing Deposit Share 14.82% above tier
- + Tier 1 Capital Ratio 19.28% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.37% above tier
- - Nonperforming Asset Ratio 1.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.4M
+5.1% YoY
+8.7% QoQ
|
-$124.1M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$26.7M
+5.8% YoY
-10.3% QoQ
|
-$112.5M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$81.1M
+3.2% YoY
+9.8% QoQ
|
-$102.5M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
2.21%
+26.4% YoY
-0.2% QoQ
|
+1.12% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.43%
+13.1% YoY
+0.3% QoQ
|
+0.58% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
51.29%
-9.3% YoY
-0.3% QoQ
|
-16.43% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
6.00%
-13.6% YoY
+7.6% QoQ
|
+5.37% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
32.91%
+2.5% YoY
-18.3% QoQ
|
-41.62% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.22%
-5.3% YoY
+1.9% QoQ
|
+14.82% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
1.72%
-13.0% YoY
-11.2% QoQ
|
+1.26% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
28.14%
+5.2% YoY
+4.8% QoQ
|
+19.28% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.36%
-10.2% YoY
+21.5% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.21%
(Tier avg: 1.08%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.91%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.22%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
28.14%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.72%
(Tier avg: 0.45%, National avg: 0.48%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 32.91% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.14% · Tier avg: 8.85%
94
94th pctile
Return on Assets
Current: 2.21% · Tier avg: 1.08%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.22% · Tier avg: 22.39%
88
88th pctile
Efficiency Ratio
Current: 51.29% · Tier avg: 67.73%
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
22
22th pctile
Total Deposits
Current: $81.1M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $93.4M · Tier avg: $217.5M
9
9th pctile
Total Loans
Current: $26.7M · Tier avg: $139.2M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.00% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 6.00% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
9
9th pctile
Total Loans
Current: $26.7M · Tier avg: $139.2M
20
20th pctile
Total Assets
Current: $93.4M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $81.1M · Tier avg: $183.7M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
88
88th pctile
Efficiency Ratio
Current: 51.29% · Tier avg: 67.73%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.22% · Tier avg: 22.39%
94
94th pctile
Return on Assets
Current: 2.21% · Tier avg: 1.08%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.14% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 32.91% · Tier avg: 74.53%