First State Bank of Shelby, The
Shelby, MT · Cert 11013 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Prairie Bancshares Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
$175.6MAssets
$24.6MLoans
$148.5MDeposits
$26.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 96% of banks under $1B in assets operating in a single state (rank 714 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.23%
Rank 275 of 746
Net Interest Margin
2.26%
Rank 714 of 746
Efficiency Ratio
56.09%
Rank 196 of 746
Equity / Assets
15.01%
Rank 97 of 746
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 74% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.72% | 1.06% | 1.45% | Beats 63% | 275 / 746 | |
| Return on Equity | 8.22% | 6.74% | 10.51% | 13.63% | Beats 35% | 486 / 746 | |
| Net Interest Margin | 2.26% | 3.17% | 3.68% | 4.16% | Beats 4% | 714 / 746 | |
| Efficiency Ratio | 56.09% | 55.74% | 64.58% | 75.47% | Beats 74% | 196 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.38% | 11.55% | 13.75% | 17.60% | Beats 81% | 143 / 746 | |
| Total Risk-Based Capital Ratio | 19.38% | 11.71% | 14.33% | 18.43% | Beats 79% | 154 / 746 | |
| Equity / Assets | 15.01% | 8.90% | 10.51% | 13.06% | Beats 87% | 97 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 16.54% | 61.31% | 78.27% | 90.78% | 1st pctl | 740 / 746 | |
| Loans / Assets | 13.98% | 53.60% | 66.97% | 76.08% | 1st pctl | 739 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |