BlastPoint's Banking Scorecard
First Security Bank of Roundup
Designations: ✓ Community bank
Roundup, MT
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 1.41% above tier average
- + Net Interest Margin 0.72% above tier average
- + Efficiency Ratio 36.65% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.18% above tier average
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
|
+$30.7M |
$62.3M
-0.5% YoY
|
$2.2B
+4.6% YoY
|
$6.2B
+9.0% YoY
|
Top 9.1% in tier |
| Total Loans ? |
$28.4M
+7.7% YoY
+6.5% QoQ
|
-$5.9M |
$34.3M
-1.5% YoY
|
$1.4B
+4.2% YoY
|
$3.2B
+10.7% YoY
|
42% |
| Total Deposits ? |
$80.6M
+5.3% YoY
-0.7% QoQ
|
+$28.7M |
$51.8M
-0.6% YoY
|
$1.8B
+7.6% YoY
|
$4.8B
+8.0% YoY
|
Top 8.6% in tier |
| Return on Assets ? |
2.27%
+1.4% YoY
+2.6% QoQ
|
+1.41% |
0.86%
-3.6% YoY
|
1.68%
-1.3% YoY
|
1.24%
+13.1% YoY
|
Top 6.5% in tier |
| Net Interest Margin ? |
4.58%
+4.2% YoY
+3.5% QoQ
|
+0.72% |
3.87%
+2.7% YoY
|
4.10%
+5.8% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
50.97%
+1.0% YoY
-0.6% QoQ
|
-36.65% |
87.63%
+2.3% YoY
|
58.72%
-5.2% YoY
|
66.84%
-3.8% YoY
|
Top 10.6% in tier |
| Delinquency Rate ? |
5.55%
-8.3% YoY
-7.7% QoQ
|
+4.18% |
1.36%
+33.7% YoY
|
1.39%
+39.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.6% in tier |
| Loan-to-Deposit Ratio ? |
35.27%
+2.3% YoY
+7.2% QoQ
|
-28.84% |
64.11%
-0.9% YoY
|
68.91%
-2.0% YoY
|
76.69%
+0.9% YoY
|
Top 12.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.12%
-0.2% YoY
-3.0% QoQ
|
+12.33% |
23.79%
+0.5% YoY
|
25.97%
-0.3% YoY
|
22.01%
-1.1% YoY
|
Top 11.7% in tier |
| Nonperforming Asset Ratio ? |
1.70%
-7.1% YoY
-1.2% QoQ
|
+0.92% |
0.77%
+28.7% YoY
|
0.81%
+56.4% YoY
|
0.66%
+19.3% YoY
|
Bottom 13.0% in tier |
| Tier 1 Capital Ratio ? |
27.91%
+2.6% YoY
-0.8% QoQ
|
+1.14% |
26.77%
+2.0% YoY
|
19.61%
+0.3% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.08%
-4.7% YoY
-76.2% QoQ
|
-0.59% |
0.67%
+1.6% YoY
|
0.88%
+4.1% YoY
|
0.32%
+4.0% YoY
|
63% |
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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.