BlastPoint's Banking Scorecard
First State Bank of Forsyth
$100M-$1B
Specialty: Agricultural
MT
FDIC cert 8317
Forsyth, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
- Deposits +8.9% year over year ($143.4M on the books).
- Delinquency rate 1.72%.
- Return on assets 1.77%.
- Efficiency ratio 43.18% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.26% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
23 in MT
View $100M-$1B leaderboard (MT) →
First State Bank of Forsyth has 2 strengths but faces 3 concerns
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
- + Efficiency Ratio 21.29% below tier average
- + ROA 0.45% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
- - Net Interest Margin 0.11% below tier average
- - Delinquency Rate 0.81% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$165.5M
+9.8% YoY
-1.3% QoQ
|
-$221.0M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$89.3M
+17.6% YoY
+8.8% QoQ
|
-$169.1M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.5% in tier |
| Total Deposits ? |
$143.4M
+8.9% YoY
-1.8% QoQ
|
-$183.4M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.77%
+22.5% YoY
+17.4% QoQ
|
+0.45% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
3.88%
+8.6% YoY
+3.6% QoQ
|
-0.11% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
43.18%
-10.2% YoY
-2.4% QoQ
|
-21.29% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
Top 6.7% in tier |
| Delinquency Rate ? |
1.72%
-5.8% YoY
-42.8% QoQ
|
+0.81% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
62.26%
+8.0% YoY
+10.7% QoQ
|
-15.69% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
17.63%
-7.2% YoY
-15.2% QoQ
|
-4.40% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.01%
+3.9% YoY
-35.5% QoQ
|
+0.35% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.08%
-0.5% YoY
+6.5% QoQ
|
-3.82% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.07%
-8.9% YoY
+93.9% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.1% in tier |
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 |
17.6%
-1.4pp YoY -3.2pp QoQ |
-4.5pp | 22.1% | 26.8% | 22.2% | 34% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
12.6%
-1.9pp YoY -0.8pp QoQ |
+1.1pp | 11.6% | 14.3% | 12.5% | 67% |
| CRE |
19.7%
+3.3pp YoY -1.8pp QoQ |
-19.9pp | 39.5% | 42.8% | 41.4% | 17% |
| 1-4 Family |
23.0%
-0.3pp YoY -1.2pp QoQ |
-9.6pp | 32.6% | 26.0% | 31.3% | 36% |
| Consumer |
5.7%
-1.6pp YoY -0.3pp QoQ |
+1.6pp | 4.1% | 2.7% | 5.0% | 81% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.4% | 19.7% | n/a |
| Leverage Ratio |
12.1%
-0.1pp YoY +0.7pp QoQ |
-0.1pp | 12.2% | 13.2% | 12.6% | 66% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
+2 (+11.8%) YoY 0 QoQ |
-40 | 58 | 284 | 482 | 9% |
| Assets per Employee ($) |
$8.7M
-1.8% YoY -1.3% QoQ |
+$1.2M | $7.5M | $8.1M | $8.8M | 76% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.4pp YoY -1.1pp QoQ |
-0.2pp | 0.3% | 0.6% | 0.4% | 51% |
| Nonaccrual |
1.6%
+0.2pp YoY -0.2pp QoQ |
+0.7pp | 0.9% | 1.1% | 1.0% | 83% |
| Allowance Coverage |
1.32x
-3.5% YoY +69.7% QoQ |
-22.83x | 24.15x | 3.69x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
-0.2%
+0.2pp YoY -0.1pp QoQ |
-0.4pp | 0.1% | 0.0% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.4%
+1.4pp YoY +2.5pp QoQ |
+7.2pp | 12.2% | 14.2% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY +0.1pp QoQ |
-0.4pp | 1.7% | 1.5% | 1.7% | 26% |
| Net Income ($, YTD) |
$1.5M
+31.2% YoY — QoQ |
-$1.1M | $2.6M | $14.9M | $40.4M | 41% |
Get Full Access to First State Bank of Forsyth
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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).
Top Strengths (3 metrics)
178
Efficiency Ratio
profitability
Value:
43.18%
Peer Median: 64.48%
#178 of 2643
Top 6.7% in $100M-$1B
529
Loan-to-Deposit Ratio
liquidity
Value:
62.26%
Peer Median: 77.95%
#529 of 2643
Top 20.0% in $100M-$1B
564
Return on Assets
profitability
Value:
1.77%
Peer Median: 1.32%
#564 of 2643
Top 21.3% in $100M-$1B
Top Weaknesses (6 metrics)
2403
Non-Interest Income / Assets
revenue_mix
Value:
0.07%
Peer Median: 0.57%
#2403 of 2643
Bottom 9.1% in $100M-$1B
2261
Total Loans
size
Value:
$89.25M
Peer Median: $258.35M
#2261 of 2643
Bottom 14.5% in $100M-$1B
2213
Delinquency Rate
credit_quality
Value:
1.72%
Peer Median: 0.92%
#2213 of 2633
Bottom 16.0% in $100M-$1B
2161
Total Assets
size
Value:
$165.55M
Peer Median: $386.57M
#2161 of 2643
Bottom 18.3% in $100M-$1B
2134
Total Deposits
size
Value:
$143.35M
Peer Median: $326.73M
#2134 of 2643
Bottom 19.3% in $100M-$1B
2112
Nonperforming Asset Ratio
credit_quality
Value:
1.01%
Peer Median: 0.67%
#2112 of 2643
Bottom 20.1% in $100M-$1B