BlastPoint's Banking Scorecard
First State Bank of Forsyth
Forsyth, MT
First State Bank of Forsyth has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.05% below tier average
- + ROA 0.24% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.13% above tier average
- - Net Interest Margin 0.19% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.8M
+8.7% YoY
-1.6% QoQ
|
-$218.3M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$82.1M
+11.9% YoY
+4.6% QoQ
|
-$173.6M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.0% in tier |
| Total Deposits ? |
$145.9M
+7.8% YoY
-1.8% QoQ
|
-$182.0M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
1.51%
+12.7% YoY
+4.1% QoQ
|
+0.24% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
3.74%
+7.0% YoY
+3.1% QoQ
|
-0.19% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
44.24%
-9.5% YoY
-8.0% QoQ
|
-21.05% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
Top 8.1% in tier |
| Delinquency Rate ? |
3.02%
+58.1% YoY
+60.1% QoQ
|
+2.13% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.1% in tier |
| Loan-to-Deposit Ratio ? |
56.24%
+3.7% YoY
+6.6% QoQ
|
-20.40% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
Top 14.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.79%
+4.7% YoY
+10.0% QoQ
|
-1.23% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.57%
+64.0% YoY
+63.3% QoQ
|
+0.94% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.7% in tier |
| Tier 1 Capital Ratio ? |
11.35%
-1.3% YoY
+0.3% QoQ
|
-4.48% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.03%
-2.9% YoY
-74.8% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.4% 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.