The First State Bank of Shelby: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First State Bank of Shelby of Shelby, MT against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.30% | 1.34% | -0.04% | 53rd above |
| ROAE | 8.55% | 13.32% | -4.77% | 28th below |
| Net Interest Margin | 2.61% | 3.93% | -1.32% | 4th bottom |
| Efficiency Ratio | 52.07% | 61.13% | -9.06% | 76th top |
| PPNR / Avg Assets | 1.15% | 1.68% | -0.53% | 27th below |
| Yield on Earning Assets | 3.75% | 5.67% | -1.92% | 1st bottom |
| Cost of Funds | 1.32% | 1.88% | -0.56% | 79th top |
| Net Interest Spread | 1.50% | 3.32% | -1.82% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -1.14% | 0.16% | -1.30% | 100th top |
| ACL / Total Loans | 0.13% | 1.28% | -1.15% | 0th bottom |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.38% | 12.14% | +7.24% | 95th top |
| Equity / Assets | 15.01% | 11.36% | +3.65% | 88th top |
| TCE / Tangible Assets | 15.01% | 11.08% | +3.93% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 16.54% | 80.67% | -64.13% | 99th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.99% | 86.85% | +1.14% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.39% | 6.84% | +3.55% | 84th top |
| Loan Growth (Y/Y) | 0.20% | 7.92% | -7.72% | 23rd bottom |
| Deposit Growth (Y/Y) | 10.95% | 6.29% | +4.66% | 85th top |
See The First State Bank of Shelby's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First State Bank of Shelby, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First State Bank of Shelby profile, how to read a UBPR, or how this data updates.