BlastPoint's Banking Scorecard

First Security Bank of Roundup

under $100M Specialty: Agricultural MT FDIC cert 20479

Designations: ✓ Community bank

Roundup, MT

541 banks in the under $100M peer group nationally 6 in MT

First Security Bank of Roundup has 3 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

+ Return on Assets 1.43% above tier average
+ Net Interest Margin 0.72% above tier average
+ Efficiency Ratio 37.37% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 4.17% above tier average

Get updates when First Security Bank of Roundup releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$92.9M +6.3% YoY -0.5% QoQ	+$30.8M	$62.2M -0.6% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	Top 9.1% in tier
Total Loans ?	$28.4M +7.7% YoY +6.5% QoQ	-$5.8M	$34.2M -1.4% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$80.6M +5.3% YoY -0.7% QoQ	+$28.8M	$51.7M -0.7% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	Top 8.5% in tier
Return on Assets ?	2.27% +1.4% YoY +2.6% QoQ	+1.43%	0.84% -2.3% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	Top 6.5% in tier
Net Interest Margin ?	4.58% +4.2% YoY +3.5% QoQ	+0.72%	3.86% +2.8% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	50.97% +1.0% YoY -0.6% QoQ	-37.37%	88.34% +0.3% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	Top 10.5% in tier
Delinquency Rate ?	5.55% -8.3% YoY -7.7% QoQ	+4.17%	1.37% +33.8% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	Bottom 4.8% in tier
Loan-to-Deposit Ratio ?	35.27% +2.3% YoY +7.2% QoQ	-28.94%	64.22% -0.7% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	Top 12.4% in tier
Non-Interest-Bearing Deposit Share ?	36.12% -0.2% YoY -3.0% QoQ	+12.40%	23.71% +0.3% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	Top 11.6% in tier
Nonperforming Asset Ratio ?	1.70% -7.1% YoY -1.2% QoQ	+0.91%	0.79% +28.2% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	Bottom 13.3% in tier
Tier 1 Capital Ratio ?	27.91% +2.6% YoY -0.8% QoQ	+1.23%	26.68% +2.0% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.08% -4.7% YoY -76.2% QoQ	-0.58%	0.67% +1.9% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	63%

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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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (8 metrics)

Return on Assets

profitability

Value: 2.27%

Peer Median: 0.84%

#36 of 541 Top 6.5% in under $100M

Total Deposits

size

Value: $80.58M

Peer Median: $51.74M

#47 of 541 Top 8.5% in under $100M

Total Assets

size

Value: $92.94M

Peer Median: $62.16M

#50 of 541 Top 9.1% in under $100M

Efficiency Ratio

profitability

Value: 50.97%

Peer Median: 88.34%

#58 of 541 Top 10.5% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 36.12%

Peer Median: 23.71%

#64 of 541 Top 11.6% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 35.27%

Peer Median: 64.22%

#68 of 541 Top 12.4% in under $100M

Tier 1 Capital Ratio

capital

Value: 27.91%

Peer Median: 26.68%

#93 of 541 Top 17.0% in under $100M

117

Net Interest Margin

profitability

Value: 4.58%

Peer Median: 3.86%

#117 of 541 Top 21.4% in under $100M

Top Weaknesses (2 metrics)

497

Delinquency Rate

credit_quality

Value: 5.55%

Peer Median: 1.37%

#497 of 521 Bottom 4.8% in under $100M

470

Nonperforming Asset Ratio

credit_quality

Value: 1.70%

Peer Median: 0.79%

#470 of 541 Bottom 13.3% in under $100M