BlastPoint's Banking Scorecard
The First State Bank of Malta
Malta, MT
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 11.04% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.21% below tier average
- - Delinquency Rate 1.59% above tier average
- - ROA 0.34% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.4M
+14.3% YoY
-3.9% QoQ
|
-$192.7M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$60.7M
-6.6% YoY
+4.8% QoQ
|
-$195.0M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.1% in tier |
| Total Deposits ? |
$169.4M
+15.2% YoY
-3.8% QoQ
|
-$158.6M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.93%
+113.5% YoY
+31.7% QoQ
|
-0.34% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
2.72%
+15.8% YoY
-0.7% QoQ
|
-1.21% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio ? |
54.24%
-27.0% YoY
-14.9% QoQ
|
-11.04% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
2.48%
-43.4% YoY
-15.3% QoQ
|
+1.59% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.3% in tier |
| Loan-to-Deposit Ratio ? |
35.82%
-18.9% YoY
+9.0% QoQ
|
-40.82% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
Top 2.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.88%
+9.7% YoY
+0.7% QoQ
|
-1.14% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.78%
-53.7% YoY
-7.7% QoQ
|
+0.14% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
13.66%
-8.9% YoY
-8.1% QoQ
|
-2.17% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.04%
+9.7% YoY
-70.6% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.5% in tier |
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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.