First State Bank of Forsyth: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.10 percentage points higher than in Q1 2026, at 140.57%. First State Bank of Forsyth ranks 6th of 35 Montana banks on return on assets, in the upper half at 2.08% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First State Bank of Forsyth reported 2.08% on return on assets in Q2 2026, 0.82 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.08% |
| Equity capital to assets | 9.50% |
| Tangible equity to tangible assets | 9.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.59% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | -0.31% |
| Texas ratio | 9.45% |
| Allowance for credit losses to loans | 2.23% |
| Reserve coverage of non-performing loans | 140.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.08% |
| Return on equity | 22.01% |
| Net interest margin | 4.04% |
| Efficiency ratio | 40.76% |
| Yield on earning assets | 5.44% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.68% |
| Core deposits to total deposits | 92.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.59% |
| Securities to assets | 37.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.35% | 0.90% | 2.91% | 1.77% | 0.03% |
| Q4 2023 | 10.42% | 1.39% | 3.44% | 1.67% | 0.80% |
| Q1 2024 | 11.15% | 1.20% | 3.16% | 1.81% | -0.19% |
| Q2 2024 | 11.34% | 1.12% | 3.21% | 2.08% | -0.01% |
| Q3 2024 | 11.31% | 1.30% | 3.39% | 2.19% | 0.16% |
| Q4 2024 | 10.96% | 1.40% | 3.36% | 1.59% | 0.94% |
| Q1 2025 | 11.50% | 1.39% | 3.59% | 1.51% | -0.01% |
| Q2 2025 | 12.15% | 1.60% | 3.68% | 1.40% | -0.92% |
| Q3 2025 | 12.20% | 1.37% | 3.83% | 1.47% | 0.04% |
| Q4 2025 | 11.31% | 1.60% | 4.41% | 1.50% | 0.20% |
| Q1 2026 | 11.35% | 1.51% | 3.68% | 1.79% | -0.16% |
| Q2 2026 | 12.08% | 2.08% | 4.04% | 1.59% | -0.31% |
First State Bank of Forsyth vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Forsyth, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of Forsyth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8317) · FFIEC NIC profile (RSSD 597658)