The First State Bank of Malta
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Data as of · sourced from FFIEC call reports. How we update
The First State Bank of Malta is an FDIC-insured commercial bank headquartered in Malta, MT, established in 1903 (FDIC certificate 1982), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $189.7M, up 8.3% from Q2 2025, the 20th largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.36% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1982
- Headquarters
- Malta, MT
- Established
- 1903
- Total assets, Q2 2026
- $189.7M
- Assets vs Q2 2025
- +8.3%
- Tier 1 leverage ratio, Q2 2026
- 14.36%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 092101360
- Latest call report
- Q2 2026, FFIEC 051 · The First State Bank of Malta call report
- Holding company
- FS BANCO, INC.
- Asset rank in state
- 20th of 35 in Montana
The First State Bank of Malta, based in Malta, Montana, reported $190 million in assets at June 30, 2026, up 8.3% from a year earlier. It keeps 3.02 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans equal to only 19% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $549,000, 78% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 2.20% of loans from 4.09%.
As of June 30, 2026, The First State Bank of Malta reported a return on assets of 1.17%, a nonperforming-loan ratio of 2.20% and a Texas ratio of 5.93%. The figures come from its call report filed with the FFIEC.
The First State Bank of Malta ranks as the 20th largest of the 35 banks based in Montana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.9% to $189.7M, loans rose 9.9% and deposits fell 2.7%. Farmland and other real estate loans made up 44.1% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 31.8%. The FDIC Summary of Deposits lists a single office for it, in Malta, MT. Judged on its Q2 2026 call report, The First State Bank of Malta meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1 S 1st St E, Malta, MT 59538
- County
- Phillips
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 4, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $164.9M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- -$33K
- Average total assets
- $188.3M
- Average total loans
- $64.7M
- Average interest-bearing deposits
- $131.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1982
- Fed RSSD
- 615253
- Website
- www.fsbmalta.com →
- Parent Holding Company
- FS BANCO, INC. (RSSD 1857171)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First State Bank of Malta reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First State Bank of Malta's total assets ran between $158.2M (Q3 2023) and $201.3M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$189.7M total assets against $175.2M; $166.0M total liabilities against $153.1M.
$66.9M net loans and leases against $68.4M; $164.9M total deposits against $152.0M.
$104.2M securities against $90.8M; $14.5M cash and balances due against $12.0M.
$2.2M total interest income against $1.9M; $789K total interest expense against $791K.
$1.4M net interest income against $1.1M.
$69K total noninterest income against $69K; $763K total noninterest expense against $759K.
No provision recorded in the last 12 quarters.
$549K net income against $309K.
1.17% return on assets against 0.73%; 3.02% net interest margin against 2.63%.
14.36% tier 1 leverage ratio against 15.48%.
Inside the full The First State Bank of Malta terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First State Bank of Malta rankings
Its closest position to the top of a national ranking is 843 of 3,606, for efficiency ratio; its furthest is 3,038 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q4 2024) to 1.17% (Q2 2026) and its net interest margin ran from 2.10% (Q4 2024) to 3.24% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.36% | 1.17% | 2.20% | 5.93% | 3.02% |
| Q1 2026 | 13.66% | 0.94% | 2.40% | 6.08% | 2.74% |
| Q4 2025 | 14.86% | 0.63% | 2.83% | 6.57% | 2.98% |
| Q3 2025 | 15.70% | 1.12% | 3.15% | 8.49% | 3.24% |
| Q2 2025 | 15.48% | 0.73% | 4.09% | 12.02% | 2.63% |
| Q1 2025 | 14.99% | 0.43% | 4.26% | 12.45% | 2.28% |
| Q4 2024 | 15.30% | 0.36% | 4.27% | 12.59% | 2.10% |
| Q3 2024 | 15.96% | 0.45% | 1.07% | 3.08% | 2.23% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First State Bank of Malta | Malta , MT | 59538 | $164.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MT, rank 24 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First State Bank of Malta
What are The First State Bank of Malta's total assets?
As of the Q2 2026 filing, The First State Bank of Malta reported total assets of $189.7 million in its FFIEC call report.
Where is The First State Bank of Malta headquartered?
It is headquartered in Malta, MT, United States.
When was The First State Bank of Malta founded?
It was established in 1903, per the FDIC institution directory.
Is The First State Bank of Malta FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First State Bank of Malta?
The First State Bank of Malta's primary federal regulator is the Federal Reserve.
How many branches does The First State Bank of Malta operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First State Bank of Malta's Texas Ratio?
Its Texas Ratio is 5.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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