First Security Bank of Roundup
Roundup, MT · Cert 20479 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Central Montana Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
$94.5MAssets
$31.4MLoans
$81.8MDeposits
$12.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of banks under $1B in assets operating in a single state (rank 52 of 746).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets operating in a single state (rank 733 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.84%
Rank 77 of 746
Net Interest Margin
4.31%
Rank 142 of 746
Efficiency Ratio
49.59%
Rank 101 of 746
Equity / Assets
13.02%
Rank 190 of 746
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 87% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.72% | 1.06% | 1.45% | Beats 90% | 77 / 746 | | |
| Return on Equity | 14.10% | 6.74% | 10.51% | 13.63% | Beats 77% | 168 / 746 | | |
| Net Interest Margin | 4.31% | 3.17% | 3.68% | 4.16% | Beats 81% | 142 / 746 | | |
| Efficiency Ratio | 49.59% | 55.74% | 64.58% | 75.47% | Beats 87% | 101 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.35% | 0.09% | 0.42% | 1.07% | Beats 1% | 733 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 422 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 27.14% | 11.55% | 13.75% | 17.60% | Beats 93% | 52 / 746 | | |
| Total Risk-Based Capital Ratio | 27.30% | 11.71% | 14.33% | 18.43% | Beats 93% | 54 / 746 | | |
| Equity / Assets | 13.02% | 8.90% | 10.51% | 13.06% | Beats 75% | 190 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.45% | 61.31% | 78.27% | 90.78% | 4th pctl | 713 / 746 | | |
| Loans / Assets | 33.26% | 53.60% | 66.97% | 76.08% | 5th pctl | 709 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |