FIRST STATE BANK OF SHELBY, THE

SHELBY, MT | Small | Est. Jan. 1, 1910, midnight | FDIC #11013 | RSSD #686758 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF SHELBY, THE is asn small FDIC-insured commercial bank headquartered in SHELBY, MT, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $164M and total deposits of $138M. Profitability stands at 0.58% ROA and 3.68% ROE, with a net interest margin of 2.46%. The bank's CET1 capital ratio is 15.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #11013.

Assets

$164M

Deposits

$138M

Loans

$25M

Equity

$26M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 3.68%
Net Interest Margin (NIM) 2.46%
Yield on Assets 3.85%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.16%

Capital & Liquidity

CET1 Ratio 15.68%
Tier 1 Capital 15.68%
Total Capital Ratio 16.47%
Leverage Ratio 19.31%
Loan-to-Deposit 18.06%

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