BlastPoint's Banking Scorecard
The First State Bank of Shelby
$100M-$1B
Specialty: Agricultural
MT
FDIC cert 11013
Shelby, MT
2664
banks in the $100M-$1B peer group nationally
22 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 0.89% below tier average
- + Non-Interest-Bearing Deposit Share 17.90% above tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 8.78% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.0M
+5.8% YoY
+2.8% QoQ
|
-$217.1M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$22.6M
+2.5% YoY
-9.0% QoQ
|
-$233.1M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 0.7% in tier |
| Total Deposits ? |
$142.4M
+5.9% YoY
+3.3% QoQ
|
-$185.6M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.26%
+93.1% YoY
+73.4% QoQ
|
-0.01% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
2.27%
+16.5% YoY
+6.0% QoQ
|
-1.66% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio ? |
56.50%
-19.3% YoY
-17.4% QoQ
|
-8.78% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
15.89%
-3.2% YoY
-11.9% QoQ
|
-60.75% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
Top 0.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.92%
+6.7% YoY
+3.0% QoQ
|
+17.90% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
Top 4.8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
19.69%
-6.0% YoY
+2.0% QoQ
|
+3.86% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
Top 14.1% in tier |
| Non-Interest Income / Assets ? |
0.05%
-2.3% YoY
-78.1% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
22% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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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: 0.89%
#1 of 2654
Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.64%
#1 of 2664
Top 0.1% in $100M-$1B
20
Loan-to-Deposit Ratio
liquidity
Value:
15.89%
Peer Median: 76.64%
#20 of 2664
Top 0.7% in $100M-$1B
128
Non-Interest-Bearing Deposit Share
funding
Value:
39.92%
Peer Median: 22.02%
#128 of 2664
Top 4.8% in $100M-$1B
376
Tier 1 Capital Ratio
capital
Value:
19.69%
Peer Median: 15.83%
#376 of 2664
Top 14.1% in $100M-$1B
Top Weaknesses (5 metrics)
2646
Total Loans
size
Value:
$22.62M
Peer Median: $255.72M
#2646 of 2664
Bottom 0.7% in $100M-$1B
2621
Net Interest Margin
profitability
Value:
2.27%
Peer Median: 3.93%
#2621 of 2664
Bottom 1.7% in $100M-$1B
2165
Total Deposits
size
Value:
$142.39M
Peer Median: $327.97M
#2165 of 2664
Bottom 18.8% in $100M-$1B
2154
Total Assets
size
Value:
$169.02M
Peer Median: $386.08M
#2154 of 2664
Bottom 19.2% in $100M-$1B
2089
Non-Interest Income / Assets
revenue_mix
Value:
0.05%
Peer Median: 0.28%
#2089 of 2664
Bottom 21.6% in $100M-$1B