BlastPoint's Banking Scorecard
The First State Bank of Shelby
$100M-$1B
Specialty: Agricultural
MT
FDIC cert 11013
Shelby, MT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
- Deposits +11.0% year over year ($148.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.28%.
- Efficiency ratio 56.09% vs a 64.48% peer average.
- Loan-to-deposit ratio 16.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
23 in MT
View $100M-$1B leaderboard (MT) →
The First State Bank of Shelby has 4 strengths but faces 1 concern
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Non-Interest-Bearing Deposit Share 20.82% above tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 8.39% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.63% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.6M
+10.4% YoY
+3.9% QoQ
|
-$210.9M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$24.5M
+0.4% YoY
+8.4% QoQ
|
-$233.8M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.9% in tier |
| Total Deposits ? |
$148.5M
+11.0% YoY
+4.3% QoQ
|
-$178.3M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.28%
+84.2% YoY
+1.3% QoQ
|
-0.05% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
2.35%
+16.5% YoY
+3.9% QoQ
|
-1.63% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio ? |
56.09%
-18.0% YoY
-0.7% QoQ
|
-8.39% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
16.52%
-9.5% YoY
+4.0% QoQ
|
-61.43% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Top 0.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.85%
+20.6% YoY
+7.4% QoQ
|
+20.82% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Top 3.4% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
19.38%
-7.1% YoY
-1.5% QoQ
|
+3.47% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.10%
-8.9% YoY
+92.5% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
20% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
42.9%
+7.3pp YoY +2.9pp QoQ |
+20.7pp | 22.1% | 26.8% | 22.2% | 97% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.3%
+2.2pp YoY -0.9pp QoQ |
+6.7pp | 11.6% | 14.3% | 12.5% | 85% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 26.0% | 31.3% | n/a |
| Consumer |
3.1%
-0.3pp YoY -0.5pp QoQ |
-1.0pp | 4.1% | 2.7% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.4% | 19.7% | n/a |
| Leverage Ratio |
19.4%
-1.5pp YoY -0.3pp QoQ |
+7.2pp | 12.2% | 13.2% | 12.6% | 96% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
-1 (-5.9%) YoY +1 (+6.7%) QoQ |
-43 | 58 | 284 | 482 | 5% |
| Assets per Employee ($) |
$11.0M
+17.3% YoY -2.6% QoQ |
+$3.5M | $7.5M | $8.1M | $8.8M | 90% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 3.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.6%
-0.6pp YoY |
-0.7pp | 0.1% | 0.0% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.3%
+3.8pp YoY +0.2pp QoQ |
-3.9pp | 12.2% | 14.2% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.5% | 1.7% | 18% |
| Net Income ($, YTD) |
$1.1M
+96.2% YoY — QoQ |
-$1.5M | $2.6M | $14.9M | $40.4M | 29% |
Get Full Access to The First State Bank of Shelby
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (5 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 0.92%
#1 of 2633
Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.67%
#1 of 2643
Top 0.1% in $100M-$1B
21
Loan-to-Deposit Ratio
liquidity
Value:
16.52%
Peer Median: 77.95%
#21 of 2643
Top 0.8% in $100M-$1B
90
Non-Interest-Bearing Deposit Share
funding
Value:
42.85%
Peer Median: 22.03%
#90 of 2643
Top 3.4% in $100M-$1B
402
Tier 1 Capital Ratio
capital
Value:
19.38%
Peer Median: 15.91%
#402 of 2643
Top 15.2% in $100M-$1B
Top Weaknesses (5 metrics)
2621
Total Loans
size
Value:
$24.53M
Peer Median: $258.35M
#2621 of 2643
Bottom 0.9% in $100M-$1B
2589
Net Interest Margin
profitability
Value:
2.35%
Peer Median: 3.99%
#2589 of 2643
Bottom 2.1% in $100M-$1B
2128
Non-Interest Income / Assets
revenue_mix
Value:
0.10%
Peer Median: 0.57%
#2128 of 2643
Bottom 19.5% in $100M-$1B
2107
Total Assets
size
Value:
$175.64M
Peer Median: $386.57M
#2107 of 2643
Bottom 20.3% in $100M-$1B
2082
Total Deposits
size
Value:
$148.48M
Peer Median: $326.73M
#2082 of 2643
Bottom 21.3% in $100M-$1B