FIRST STATE BANK OF MALTA, THE

MALTA, MT | Small | Est. March 4, 1903, midnight | FDIC #1982 | RSSD #615253 | FED
Latest Report: 2025-12-31

FIRST STATE BANK OF MALTA, THE is asn small FDIC-insured commercial bank headquartered in MALTA, MT, established in March 4, 1903, midnight. As of 2025-12-31, the bank reported total assets of $201M and total deposits of $176M. Profitability stands at 0.61% ROA and 4.83% ROE, with a net interest margin of 3.06%. The bank's CET1 capital ratio is 11.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.83% and a Texas Ratio of 6.57%. FDIC Certificate #1982.

Assets

$201M

Deposits

$176M

Loans

$60M

Equity

$24M

Profitability

Return on Assets (ROA) 0.61%
Return on Equity (ROE) 4.83%
Net Interest Margin (NIM) 3.06%
Yield on Assets 4.90%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 2.83%
Net Charge-Off Ratio -0.22%
Texas Ratio 6.57%
NPA Ratio 0.84%
ACL / Loans 3.18%

Capital & Liquidity

CET1 Ratio 11.89%
Tier 1 Capital 11.89%
Total Capital Ratio 12.49%
Leverage Ratio 14.86%
Loan-to-Deposit 33.95%

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