The First State Bank of Shelby

BankShelby, Montana
www.fsbshelby.com

Total Assets

$164.4M

Total Deposits

$137.9M

Branches

1

Established

1910

TFS Health Grade

$
F

59.4 / 100

Poor financial health

How we grade

The First State Bank of Shelby is a bank headquartered in Shelby, Montana, established in 1910. With $164.4M in total assets and 1 branch locations, it has a TFS Financial Health Grade of F (59.4/100).

Capital & Safety

Tier 1 Capital Ratio
19.31%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.02%

Profitability

Return on Assets (ROA)
0.73%(1%)
Return on Equity (ROE)
4.71%(10%)
Net Interest Margin
2.14%
Efficiency Ratio
68.37%(60%)

Lending & Liquidity

Total Loans
$24.9M
Loan-to-Deposit Ratio
18.04%
Net Charge-Off Ratio
-0.03%

Growth

Asset Growth (YoY)
+3.27%
Deposit Growth (YoY)
+1.98%
Net Income
$1.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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