BlastPoint's Banking Scorecard
First State Bank of Forsyth
Micro
Specialty: Agricultural
MT
FDIC cert 8317
Designations: ✓ Community bank
Forsyth, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
First State Bank of Forsyth demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.67% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$170.5M
+3.2% YoY
+7.5% QoQ
|
-$47.0M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$78.5M
+9.3% YoY
-4.3% QoQ
|
-$60.7M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$148.7M
+1.0% YoY
+6.9% QoQ
|
-$35.0M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.45%
+18.4% YoY
+3.6% QoQ
|
+0.37% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.63%
+11.1% YoY
+0.8% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
48.06%
-1.5% YoY
-2.9% QoQ
|
-19.67% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
1.88%
-28.2% YoY
+10.7% QoQ
|
+1.24% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
52.77%
+8.2% YoY
-10.4% QoQ
|
-21.76% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
18.90%
+12.9% YoY
-8.8% QoQ
|
-3.49% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.96%
-19.0% YoY
+7.6% QoQ
|
+0.51% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
20% |
| 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 ? |
0.14%
+10.6% YoY
+31.1% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.06%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
92
92th pctile
Efficiency Ratio
Current: 48.06% · Tier avg: 67.73%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Total Deposits
Current: $148.7M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $170.5M · Tier avg: $217.5M
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.90% · Tier avg: 22.39%
33
33th pctile
Total Loans
Current: $78.5M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.77% · Tier avg: 74.53%
14
14th pctile
Delinquency Rate
Current: 1.88% · Tier avg: 0.64%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
14
14th pctile
Delinquency Rate
Current: 1.88% · Tier avg: 0.64%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.77% · Tier avg: 74.53%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
33
33th pctile
Total Loans
Current: $78.5M · Tier avg: $139.2M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.90% · Tier avg: 22.39%
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
43
43th pctile
Total Assets
Current: $170.5M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $148.7M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.06% · Tier avg: 67.73%