BlastPoint's Banking Scorecard
The First State Bank of Malta
Malta, 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 +8.5% year over year ($164.9M on the books).
- Delinquency rate 2.27%.
- Return on assets 1.03%.
- Efficiency ratio 53.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 40.56% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First State Bank of Malta has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.44% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.13% below tier average
- - ROA 0.29% below tier average
- - Delinquency Rate 1.35% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$189.7M
+8.3% YoY
-1.9% QoQ
|
-$196.9M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$66.9M
-2.2% YoY
+10.2% QoQ
|
-$191.5M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.3% in tier |
| Total Deposits ? |
$164.9M
+8.5% YoY
-2.7% QoQ
|
-$161.8M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.03%
+79.3% YoY
+11.4% QoQ
|
-0.29% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
2.86%
+15.4% YoY
+5.0% QoQ
|
-1.13% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 6.8% in tier |
| Efficiency Ratio ? |
53.04%
-23.9% YoY
-2.2% QoQ
|
-11.44% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
2.27%
-46.0% YoY
-8.5% QoQ
|
+1.35% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.6% in tier |
| Loan-to-Deposit Ratio ? |
40.56%
-9.9% YoY
+13.2% QoQ
|
-37.39% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Top 4.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.37%
+9.5% YoY
-2.4% QoQ
|
-1.66% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.80%
-51.2% YoY
+2.9% QoQ
|
+0.13% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.36%
-7.2% YoY
+5.1% QoQ
|
-1.55% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.08%
+3.2% YoY
+97.1% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.4% in tier |
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 |
20.4%
+1.8pp YoY -0.5pp QoQ |
-1.8pp | 22.1% | 26.8% | 22.2% | 47% |
| 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 |
10.3%
-1.0pp YoY -0.3pp QoQ |
-1.3pp | 11.6% | 14.3% | 12.5% | 54% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
0.8%
0.0pp YoY +0.1pp QoQ |
-31.8pp | 32.6% | 26.0% | 31.3% | 1% |
| Consumer |
4.7%
+0.1pp YoY -0.3pp QoQ |
+0.6pp | 4.1% | 2.7% | 5.0% | 76% |
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 |
14.4%
-1.1pp YoY +0.7pp QoQ |
+2.2pp | 12.2% | 13.2% | 12.6% | 83% |
| 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 |
19
-2 (-9.5%) YoY 0 QoQ |
-40 | 58 | 284 | 482 | 9% |
| Assets per Employee ($) |
$10.0M
+19.7% YoY -1.9% QoQ |
+$2.5M | $7.5M | $8.1M | $8.8M | 85% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual |
2.3%
-1.9pp YoY -0.2pp QoQ |
+1.3pp | 0.9% | 1.1% | 1.0% | 90% |
| Allowance Coverage |
1.27x
+105.4% YoY -0.8% QoQ |
-22.88x | 24.15x | 3.69x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY +0.1pp QoQ |
-0.3pp | 0.1% | 0.0% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.6%
+4.0pp YoY +0.7pp QoQ |
-3.6pp | 12.2% | 14.2% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.5% | 1.7% | 50% |
| Net Income ($, YTD) |
$1.0M
+104.7% YoY — QoQ |
-$1.5M | $2.6M | $14.9M | $40.4M | 27% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.