BanksFIRST STATE BANK OF SHELBY, THE

FIRST STATE BANK OF SHELBY, THE

SHELBY, MTSmallEst. Jan. 1, 1910, midnightFDIC #11013RSSD #686758FDIC
Latest · 2025-12-31

FIRST STATE BANK OF SHELBY, THE is an 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%. CET1 capital ratio: 15.68%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$164M
Deposits
$138M
Loans
$25M
Equity
$26M

Profitability

Return on Assets (ROA)0.58%
Return on Equity (ROE)3.68%
Net Interest Margin2.46%
Yield on Assets3.85%
Cost of Funds1.52%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio-0.03%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.16%

Capital & Liquidity

CET1 Ratio15.68%
Tier 1 Capital15.68%
Total Capital Ratio16.47%
Leverage Ratio19.31%
Loan-to-Deposit18.06%

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