BlastPoint's Banking Scorecard
First Security Bank of Roundup
Designations: ✓ Community bank
Roundup, 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 536 banks in the under $100M peer group nationwide — 1 of 5 in MT.
- Deposits +6.8% year over year ($81.8M on the books).
- Delinquency rate 5.47%.
- Return on assets 2.36%.
- Efficiency ratio 49.59% vs a 119.40% peer average.
- Loan-to-deposit ratio 37.65% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Security Bank of Roundup has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.36% above tier average
- + Efficiency Ratio 69.81% below tier average
- + Net Interest Margin 0.67% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.99% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.5M
+7.3% YoY
+1.7% QoQ
|
+$32.1M |
$62.4M
-0.0% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Top 7.8% in tier |
| Total Loans ? |
$30.8M
+9.0% YoY
+8.3% QoQ
|
-$4.1M |
$34.9M
-0.6% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$81.8M
+6.8% YoY
+1.5% QoQ
|
+$30.1M |
$51.6M
-0.2% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
Top 7.5% in tier |
| Return on Assets ? |
2.36%
+8.8% YoY
+4.1% QoQ
|
+1.36% |
1.00%
+3.5% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
Top 6.2% in tier |
| Net Interest Margin ? |
4.59%
+5.9% YoY
+0.1% QoQ
|
+0.67% |
3.91%
+2.3% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
49.59%
-3.5% YoY
-2.7% QoQ
|
-69.81% |
119.40%
+49.6% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
Top 9.1% in tier |
| Delinquency Rate ? |
5.47%
-2.5% YoY
-1.4% QoQ
|
+3.99% |
1.48%
+31.8% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.0% in tier |
| Loan-to-Deposit Ratio ? |
37.65%
+2.1% YoY
+6.7% QoQ
|
-36.56% |
74.21%
+12.6% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Top 14.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.96%
-2.1% YoY
-3.2% QoQ
|
+11.47% |
23.49%
+0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Top 14.7% in tier |
| Nonperforming Asset Ratio ? |
1.78%
-1.0% YoY
+5.0% QoQ
|
+0.94% |
0.84%
+23.0% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.1% in tier |
| Tier 1 Capital Ratio ? |
27.14%
+1.9% YoY
-2.8% QoQ
|
+0.01% |
27.13%
+3.0% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.18%
-2.9% YoY
+112.8% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
66% |
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 |
35.0%
-0.7pp YoY -1.2pp QoQ |
+10.3pp | 24.6% | 26.8% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
39.1%
+4.2pp YoY -2.6pp QoQ |
+25.7pp | 13.4% | 14.3% | 12.5% | 96% |
| CRE | n/a | n/a | 25.2% | 42.8% | 41.4% | n/a |
| 1-4 Family |
3.6%
-0.8pp YoY -0.5pp QoQ |
-31.4pp | 35.0% | 26.0% | 31.3% | 11% |
| Consumer |
9.7%
-2.5pp YoY -0.8pp QoQ |
+2.0pp | 7.7% | 2.7% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
27.1%
+0.5pp YoY -0.8pp QoQ |
-11.5pp | 38.7% | 22.4% | 19.7% | 68% |
| Leverage Ratio |
13.4%
+0.4pp YoY +0.4pp QoQ |
-4.3pp | 17.7% | 13.2% | 12.6% | 56% |
| Total Capital Ratio |
27.3%
-0.6pp YoY -0.9pp QoQ |
-12.4pp | 39.7% | 23.5% | 20.8% | 65% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-1 | 12 | 284 | 482 | 50% |
| Assets per Employee ($) |
$8.6M
+7.3% YoY +1.7% QoQ |
+$2.4M | $6.2M | $8.1M | $8.8M | 86% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
0.0pp YoY +0.3pp QoQ |
-0.1pp | 1.0% | 0.6% | 0.4% | 68% |
| Nonaccrual |
4.6%
-0.1pp YoY -0.4pp QoQ |
+2.8pp | 1.7% | 1.1% | 1.0% | 93% |
| Allowance Coverage |
0.39x
-4.8% YoY -6.5% QoQ |
-6.02x | 6.41x | 3.69x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY +0.1pp QoQ |
-0.2pp | 0.2% | 0.0% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.3%
+0.1pp YoY +0.6pp QoQ |
+11.9pp | 6.4% | 14.2% | 11.6% | 91% |
| Cost of Funds (YTD) |
0.3%
0.0pp YoY 0.0pp QoQ |
-1.1pp | 1.4% | 1.5% | 1.7% | 4% |
| Net Income ($, YTD) |
$1.1M
+15.6% YoY — QoQ |
+$787K | $317,817 | $14.9M | $40.4M | 97% |
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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.